Personal Accident Insurance for Horse Riding

Find out why horse riders should protect themselves financially from accidents and injury.

What is horse rider personal accident insurance?

Personal accident insurance specifically for horse riders offers financial protection from injuries and illnesses sustained whilst riding. In most cases, an insurer pays out a certain value as stated in the policy relative to an injury, disablement or even death of the rider.

What personal accident insurance do Harry Hall offer?

  • Harry hall provides £10k Personal Accident as standard in all our Platinum and Gold Memberships. You can read up on the types of bodily injuries covered here in the personal accident policy wording.
  • Combined with £10m Public Liability insurance you can cover rider and horse online in minutes.
  • By selecting an Enhanced policy you can even include Rider Fracture Cover to provide some financial relief if you break a bone listed in the policy whilst taking part in equine activities.

Do you need personal accident insurance?

It is often purchased as your livelihood could be at risk as a result of a riding-related injury. Medical expenses and loss of earnings can lead to significant financial distress that personal accident policies are designed to ease – there are many different options on the market and its important to choose one that is right for your individual needs.

As a rider, we know making sure our horses are insured is near the top of our priority lists, but many riders forget they also could be covered themselves.

A breath of fresh air.
Simple, easy and trusted.

Your membership and insurance information on the move in our app
Open and transparent pricing
Monthly payments at no extra cost

How to join the One Club

The Gold, Platinum and Bronze memberships designed to save you money

Step 1

Include insurance cover

Choose to include £10m public liability and £10k personal accident insurance
Step 2

Tailor to your life

Include multiple horses and family members, and whether your cover should extend to affiliated events or for rider fractures too
Step 3

Pick more policies

Add exclusive insurance policies like vet fees or horse trailer insurance
Step 4

Make use of your membership perks

Benefit from a free legal advice helpline, will and legal document writing service and big discounts and free UK delivery on*
Learn about the One Club

*Free delivery and legal services exclusive to Gold and Platinum members over 18 years old

Reviews from our members

Love the offers and service, and they make insurance so affordable no-one should be without it!
Great website - great insurance incentive and loyalty to members - keep it up!
I'm a big Harry Hall fan, I've always found their products and customer service spot on! I'm a one club member and also have trailer insurance. 10/10!
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Prepare for perks when you join the One Club

Joining the Harry Hall One Club means exclusive product discounts, year-round savings, free delivery, competitions, access to our app and much more. But it also means you and your horse are at the heart of everything we do.


Frequently asked questions

Who is eligible for personal accident insurance?

Generally, there are very few exclusions to who is eligible for personal accident cover, with the limits usually applied to the injuries and accidents covered, the activities undertaken by the policy holder and the policy holder’s age. Always be sure to check policy wording… you can find ours here.

How much does personal accident insurance cost?

Whilst personal accident cover costs and fees can range drastically from company-to-company and dependent on your level of cover, we pride ourselves as being affordable to all, with premiums for £10k personal accident starting as low as £4.50 for our Gold membership plan, which even includes £10m public liability insurance and a whole host of Harry Hall One Club member benefits, including discount vouchers for equestrian gear!

Enhanced rider fracture cover can be added to our Gold memberships from £1.50 per month too for extra peace of mind.

Do you have a policy available for children?

Kids can be covered on their own with parental consent, or you can add them to your own One Club Gold Membership Family where you can cover up to four different riders living at the same address. It’s important to check the policy wording to understand specific conditions related to age.

Important Information

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