Horse Rider Insurance
For liablities and accidents
Rider insurance from £5.75 a month with Harry Hall One Club Gold & Platinum Membership. Cover for when you or your family ride or handle horses in one simple membership.
- 99%+ of valid claims paid within 14 days
- 95% of reviewers recommend Harry Hall
Join the equestrian membership that gives you rider insurance
When you become a Gold or Platinum Member
What is horse rider insurance?
Horse rider insurance is designed to protect you as a rider, not just the horse.
- Public liability cover – if a horse you’re riding injures someone or damages property
- Personal accident cover – if you are hurt while riding or handling a horse
- Equine legal expenses cover – if you need support for legal costs linked to an equine incident
All three are included through Gold and Platinum One Club membership, so everything lives in one place.
Insurance designed for riders who:
- Own, loan or share a horse
- Ride, exercise or handle other people’s horses
- Compete, ride or hack regularly
- Adults or juniors
From as little as £5.75 per month
What does rider insurance cover?
Up to £10,000
Provides financial support if you’re injured while riding or handling a horse.
- Serious injury or permanent disability
- Accidents while training, hacking, or competing
- Optional add-on rider fracture cover
Up to £10million
Covers you if a horse you’re riding causes injury to another person or damages property – even if you don’t own the horse.
- Riding accidents involving third parties
- Damage to property caused by the horse
- Cover applies when riding, handling, or caring for a horse
Up to £50,000
Helps protect you if you need legal advice or representation following an equestrian-related incident.
- Legal costs following a riding accident or dispute
- Support with personal injury claims involving a third party
- Advice and representation for equestrian legal matters
I don’t own a horse, am I still covered?
Yes. Rider insurance is designed for riders, not just owners.
You’re covered if you:
- Ride someone else’s horse
- Loan or share a horse
- Help exercise horses at a yard
- Compete or train without owning
You don’t need the horse registered in your name. If you are handling or riding, you are covered.
How to get rider insurance with One Club
Getting covered takes minutes
Choose your Membership
Tell us about you
Join One Club
Proof in your pocket
How to select your membership
Start a chat with our team 9am-5:00pm Monday to Friday if you’d like a rundown of Bronze to Platinum and everything in-between!
£10M public liability cover
£10K personal accident cover
Access to exclusive insurance policies
Affiliated event cover
Enhanced
Rider fracture cover
£50K equine legal expense cover
Legal helpline & will writing
70+ legal documents like horse sale contracts
24/7 counselling helpline
Free UK delivery & returns on HarryHall.com
App prize giveaways
Free & discounted equestrian event tickets
Charity donations when you order
Welcome, renewal and referral gift vouchers
Single Cover for a maximum of:
Family Cover for a maximum of:
Gold
Add from £2 per month
1 Rider
2 Horses
4 Family Members
4 Horses
Gold Plus
Add from £2 per month
1 Rider
2 Horses
4 Family Members
4 Horses
Platinum
Add from £2 per month
1 Rider
10 Horses
4 Family Members
10 Horses
Bronze
Gold
Gold Plus
Platinum
£10M public liability cover
£10K personal accident cover
Access to exclusive insurance policies
Affiliated event cover
Enhanced
Rider fracture cover
Add from £2 per month
Add from £2 per month
Add from £2 per month
£50K equine legal expense cover
Legal helpline & will writing
70+ legal documents like horse sale contracts
24/7 counselling helpline
Free UK delivery & returns on HarryHall.com
App prize giveaways
Free & discounted equestrian event tickets
Charity donations when you order
Welcome, renewal and referral gift vouchers
Single Cover for a maximum of:
Family Cover for a maximum of:
1 Rider
2 Horses
4 Family Members
4 Horses
1 Rider
2 Horses
4 Family Members
4 Horses
1 Rider
10 Horses
4 Family Members
10 Horses
Real Rider Insurance Claims
Examples of claims made under an equine public liability or personal accident insurance policy
- Horse spooked and damaged 3 vehicles Claim amount paid out: £28,000
- Horse kicked out while riding side by side, broke rider’s leg Claim amount paid out: £26,000
- Horse kicked another horse during turnout Claim amount paid out: £10,000
- Horse escapes from field, collides with a vehicle, injures third party Claim amount paid out: £9,000
Without insurance, the above costs would have been unexpected, and come straight out of our members pockets.
Instead they chose to get cover by becoming a One Club member from £5.75 per month.
What riders say about us...
Frequently Asked Questions
Cover designed to protect you as a rider, combining public liability and personal accident insurance.
Yes. Rider insurance is designed for riders, not just owners.
You’re covered if you:
- Ride someone else’s horse
- Loan or share a horse
- Help exercise horses at a yard
- Compete or train without owning
You don’t need the horse registered in your name. If you are handling or riding, you are covered.
Public liability covers damage or injury caused to others. Personal accident covers injuries to you.
It’s not legally required, but many yards, events and riding centres strongly recommend it. With the Harry Hall App you can take proof of your cover in your pocket.
Yes – family options are available through One Club Gold and Platinum membership, you can select at checkout.
Competition cover depends on your level of insurance:
• Gold covers unaffiliated competitions
• Gold Plus and Platinum cover affiliated and competing competitors
From £5.75 per month with Gold membership. But you can view our full membership and insurance price list here.
Membership starts from just £5.75 per month, and includes public liability and personal accident cover plus exclusive discounts, free delivery, returns and more.
Important Information
- Harry Hall and HarryHallInsuranceBrokers.com are trading names of Harry Hall International Limited. Harry Hall is an insurance broker (intermediary) and not an insurer (insurance provider). Harry Hall International Limited is authorised and regulated by the Financial Conduct Authority (FCA) our firm reference number is 968047. You may check this on the Financial Services Register by visiting the FCA website click here.
- Equario Insurance (Guernsey) Limited, is registered in Guernsey under Registration Number 69867 and is regulated by the Guernsey Financial Services Commission. Equario Insurance (Guernsey) Limited’s registered office is Level 5, Mill Court, La Charroterie, St Peter Port, Guernsey GY1 1EJ.
- Personalised products are excluded from the FREE UK delivery offered to Gold and Platinum Members on HarryHall.com. Free delivery is offered to UK mainland customers only.
- The LawAssure platform and legal helpline is available to the following members: Purchased or renewed a Gold, Gold Family, Gold Plus, Gold Plus Family, Platinum or Platinum Family Membership after 1st February 2024 and over the age of 18. See full terms of service here.
- One Club Family members must all reside at the same address.
- Harry Hall donates £0.10p from new, single orders to our nominated charity partners. Please note the following exclusions apply: renewals and gift cards
- Shopping vouchers are delivered to marketing consented customers by email or in the One Club app and have a limited expiration and specific terms of use. Please refer to the email or promotion terms for further details and note that vouchers are single use for active members only and have a minimum order value.
- We pay more than 99% of valid claims within 14 days of receipt of all the relevant information. Based upon internal data, not a guarantee. Always check your policy documents terms and conditions to ensure you qualify before placing a claim.
- We provide annually renewable vet fee cover providing protection for accidental external visible injuries throughout your horses’ lifetime.
- Partner discounts subject to availability. Minimum spend may apply. Harry Hall cannot guarantee redemption of partner offers.
- In an effort to reduce paper and plastic usage, One Club membership has moved online! To view your policy documents please log in to the Harry Hall App or visit the “manage my policy” section of the website. You will also be emailed your policy documents and important phone numbers.
