Horse Public Liability Insurance
From £5.75 per month + Extra Perks
Whether you call it rider insurance, third-party horse insurance, or equine liability cover; public liability insurance for horse riders is widely recommended.
Regardless of how well you know the roads and riding route, or how experienced you are as a horse owner, you still never know what could happen.
What is horse public liability insurance?
Public liability insurance for horse owners and riders protects you if your horse causes injury to a third party or damages their property.
If someone makes a successful claim against you, the policy can pay compensation and legal costs up to £10M.
This helps to safeguard your finances and personal assets.
Often referred to as third-party horse insurance, this cover applies whether you are riding, handling or simply responsible for the horse.
It also ensures you are protected if you are found legally liable for an incident involving your horse.
Why might you need public liability insurance for your horse?
Even the calmest and most experienced horses can react unpredictably, and a simple spook, kick or loose horse can result in serious injury or costly property damage.
Riding on public roads or busy bridleways brings additional challenges, and you cannot rely on drivers or pedestrians to behave responsibly.
Retired to field horses could still pose a risk if they were to escape and cause injury or property damage.
Public liability insurance is equally important when you ride or loan someone else’s horse, as you could still be held legally responsible for an accident.
Harry Hall One Club includes up to £10M public liability, £10K personal accident and £50K equine legal expenses cover.
Designed to support you if a third party brings an action against you as the legal owner, rider, or person in full care and control of the horse.
What can you claim for under horse public liability insurance?
Examples of claims made under an equine public liability 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.
Public Liability Cover That Gives You More
Included with your Gold or Platinum Membership:
- £10M public liability cover
- £10K personal accident cover
- £50K Equine Legal Expenses Cover
- Legal Helpline & 70+ Legal Documents
- Low £250 excess and no price increases when you claim
- Plus extra member perks
Reviews from our members
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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
How to join the One Club
Join the equestrian club that gives you more than just insurance and start saving immediately
Choose your Membership
Tailor to your life
Add optional extras
Make use of your perks
One Membership That Covers All Your Horses
Most insurers charge per horse, making multi-horse ownership expensive and complicated.
We keep it simple: no extra cost for adding horses, no renewal headaches and no inflated premiums for caring about your whole herd.
Insure up to 2 horses under one policy as standard, and if you need more:
- Gold Family Membership covers up to 4 horses with Public Liability
- Platinum Membership covers up to 10 horses with Public Liability
- And add on vet free cover for multiple horses at one price.
Frequently Asked Questions
Horse public liability insurance protects you if your horse causes injury to someone or damages their property.
If you’re found legally liable, your policy covers the cost of damages up to £10 million.
It’s highly recommended. Accidents can happen even with the most experienced riders, and claims can reach tens of thousands of pounds.
Without cover, you could face significant financial risks.
Anyone who owns, rides, or handles a horse should consider public liability insurance.
If your horse kicks a car or other property, injures a passer-by, or escapes onto a road, you could be held legally and financially responsible.
Public liability insurance protects you from these unexpected costs, giving you peace of mind.
Yes, they refer to the same type of cover.
Both protect you against claims for injury or property damage caused by you or your horse to a third party.
Yes, depending on your Harry Hall’s One Club membership cover level, activities like hacking, dressage, and unaffiliated competitions are covered.
You can also upgrade for affiliated events cover to our Gold Plus or Platinum Memberships which cover this.
Public liability and personal accident cover is recommended whether you own, loan, or there is a share agreement in place.
Remember to always check your policy, and never assume that someone else’s policy covers you.
If you’re riding, you could be held liable for any claims should the horse be at fault.
Cover provides up to £10M public liability and up to £10K personal accident cover *terms apply.
Additionally, you can even add on rider bone fracture cover for up to £3,500 Maximum sum insured per any one occurrence *terms apply, from as little as £2 extra per month through a range of available enhanced membership packages.
Your children and teenagers (under the age of 18) are covered under your public liability policy if they are named on your family policy and reside at your address.
If your child regularly rides your horse, make sure your policy includes family members to avoid gaps in protection.
However, coverage can vary between insurers, so it’s important to check the specific terms of your policy.
It is worth noting that if your child doesn’t reside with you at your home address, they may take out their own policy to be covered.
- Horse spooks and damages 3 cars – £28,000
- Horse kicks another rider, causing injury – £26,000
- Horse escapes and collides with a vehicle – £9,000
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.
