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Horse Insurance FAQs

Horse & Rider Insurance FAQs

Please note: Our horse & rider insurance policy document is available at the bottom of the page for you to download.

Insurance for Non Horse Owners

I don’t own a horse but I ride, can I get cover?

Yes, this is a horse and rider insurance policy and it covers both the horse and the rider, whether the horse you are riding belongs to you or to someone else. If you don't own the horse, you can choose to select any of the following covers; personal accident and dental cover, emergency vet fees, saddlery and tack, third party liability and trailer cover.

It is important that you discuss the insurance cover with the legal owner of the horse, to ensure that you are not dually insured.

Minimum Age of Rider

How old do I have to be to get cover?

We will insure riders from 5 years old.

Minimum Age of Horse

What age does the horse have to be to get cover?

Allianz Horse and Rider will offer cover for horses from 30 days old onwards. However, we do limit the cover for older horses (aged 17 years and over); illness will not be covered and permanent loss of use cover will no longer be available.

Other Riders

Does the policy cover anyone to ride my horse?

No, our policy only covers the owner of the horse and immediate members of their family, living in their household.

Leasing a Horse

I lease a horse, can I get cover?

Yes, you can get cover once the horse is owned by you, leased out by you, loaned out by you, on loan to you or leased to you.

It is important that you discuss insurance cover with the legal owner of the horse, to ensure that you are not dually insured.

Loaning a Horse

Can I insure my horse if it is loaned to someone else?

Yes.

Multiple Horses on One Policy

Can I get cover for multiple horses on one policy?

No, cover is limited to one horse per policy.

Horse & Rider and Rider Only

Can I have a Horse and Rider and a Rider Only policy?

Yes, a Horse and Rider policy covers you to ride your horse only, whereas a Rider Only policy will cover you if you are riding different horses.

Activities Not Covered

Are there any activities that aren’t covered?

If a horse is under 5 years of age, we will not cover the following activities; Advanced Eventing, Polo, Arab Racing, Hunter Chasing, Point to Pointing, Team Chasing, Horse Ball and Polo Crosse.

Adding Benefits Mid Term

Can I add benefits on to my policy mid-term?

Yes, but you may need to provide us with additional documentation before these benefits are added e.g. vet cert.

Please note that additional premium may apply.

Cover While at Work

I work in the equine industry; can you cover me while at work?

No, we do not offer cover for work or professional purposes.

Choice of Benefits

Can I choose what benefits I want?

Yes, the only compulsory benefit is Third Party Liability cover.

Where the Horse is Stabled

Does it matter where the horse is stabled?

No, however if you choose to stable your horse in a riding school, your horse will not be covered for use by the riding school as a part of its business.

Horse Passports

Do I have to have a passport for the horse to get cover?

Yes, we require a photocopy of the owner’s page of the horse passport for every horse & rider policy.

Vet Certs

What is a Vet cert?

A vet cert is a standard form, used by all members of Veterinary Ireland and The British Equine Veterinary Association, giving details of the general health of the horse following a 2-stage or 5-stage examination.t

Excess

What is an excess?

An excess is the first amount of any loss that you are responsible for in the event of making a claim. This amount is deducted from the total claim settlement figure.

Our standard horse and rider excesses are €200 or €750; this may vary depending on the type of loss or type of policy. Please refer to your schedule of insurance, policy booklet, or contact us directly if you wish to query these amounts.

Cover Abroad

Is the horse covered abroad?

Yes, we will provide cover for up to 30 days during each policy year for temporary visits to the rest of Europe. The purpose of the travel must not be to seek veterinary treatment elsewhere. The only exception to this is where treatment is not available in the Republic of Ireland and has been agreed in advance by our Claims Department.

Mare in Foal

Do you provide cover if the mare is in foal?

Our policy does not cover the cost of conditions relating to reproduction, including; fertility, pregnancy, foaling and treatment of the neonatal foal. The only exception to this is where the attending vet deems a birth to be complicated and needing treatment in an immediate attempt to save the mare’s life.

Vet Fees Benefit

What is covered under the Vet fees benefit?

The policy covers the cost of veterinary treatment; i) for an injury or ii) for an illness that first shows clinical signs during the period of insurance. This is covered for up to €5,000 for Standard cover, and up to €7,500 for Superior cover.

The policy does not cover illness for horses that are aged 17 or older at the time that you take out the policy or at the renewal date.

Our standard horse and rider excesses are €200 or €750; this may vary depending on the type of loss or type of policy. Please refer to your schedule of insurance, policy booklet, or contact us directly if you wish to query these amounts.

Policy terms and conditions apply.

Third Party Liability

How much is Third Party Liability covered for?

Up to €3 Million.

Death Benefit

What is covered under the Death Benefit?

Cover is provided for the death of the horse or euthanasia of the horse by a vet, up to the value of the horse, as specified on the policy, as a result of:

  • an injury or illness that occurs or first shows clinical signs of occurring during the period of insurance
  • surgery to treat an illness or injury that occurred or first shows clinical signs of occurring during the period of insurance; or
  • legally prescribed medication to prevent an illness or to treat an injury or illness that occurred or first shows clinical signs of occurring during the period of insurance.

When the horse reaches 17 years of age the cover changes. We no longer cover death from illness. We continue to cover death from injury.

Our standard horse and rider excesses are €200 or €750; this may vary depending on the type of loss or type of policy. Please refer to your schedule of insurance, policy booklet, or contact us directly if you wish to query these amounts.

Policy terms and conditions apply.

Theft and Straying Benefit

What is covered under the Theft and Straying benefit?

Cover is provided up to the value of the horse as specified on the policy schedule, if the horse is stolen or goes missing during the Period of Insurance and is not found or does not return.

Our standard horse and rider excesses are €200 or €750; this may vary depending on the type of loss or type of policy. Please refer to your schedule of insurance, policy booklet, or contact us directly if you wish to query these amounts.

Policy terms and conditions apply.

Saddlery and Tack

What is covered under Saddlery and Tack?

You are covered for up to €2,000 if your Saddlery and Tack is lost, stolen, damaged or destroyed during the Period of Insurance.

Our standard horse and rider excess is €200, this may vary depending on the type of loss or type of policy. Please refer to your schedule of insurance, policy booklet, or contact us directly if you wish to query this amount.

Policy terms and conditions apply.

Permanent Loss of Use

What is covered under permanent loss of use?

You are covered up to the value of the horse, as specified on the policy schedule, if your horse is injured or first shows clinical signs of an illness, during the period of insurance, which results in your horse never being able to take part in any one of the activities set out in the Schedule. It is possible to select either 50% or 100% of the total value of the horse.

Our standard horse and rider excesses are €200 or €750; this may vary depending on the type of loss or type of policy. Please refer to your schedule of insurance, policy booklet, or contact us directly if you wish to query these amounts.

Policy terms and conditions apply.

Personal Accident and Dental Cover

What is covered under rider personal accident and dental cover?

The policy covers up to €10,000 if you select standard cover, or up to €20,000 if you select superior cover.

Our standard horse and rider excesses are €200 or €750; this may vary depending on the type of loss or type of policy. Please refer to your schedule of insurance, policy booklet, or contact us directly if you wish to query these amounts.

Policy terms and conditions apply.

Horse Trailers / Horse Drawn Vehicles

What is covered under horse trailer and horse drawn vehicle cover?

The policy covers up to €8,000 if the horse trailer or horse drawn vehicle is lost, stolen, damaged or destroyed during the period of insurance.

Our standard horse and rider excess is €200, this may vary depending on the type of loss or type of policy. Please refer to your schedule of insurance, policy booklet, or contact us directly if you wish to query this amount.

Policy terms and conditions apply.

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Phone: 01 448 48 48
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