Best Life Insurance For Horse Riders And Equestrian – 2024

Elaine Brookes Steve Case

Author: Steve Case - Insurance Expert

Reviewed & Fact Checked By: Elaine Brookes

Updated: 8th December 2023

life insurance for horse riders

This guide explains why your horse riding pursuit is an activity to include in your life insurance policy.

Insurance Hero will also explain how you can get the most competitive quotes for life insurance for horse riders and associated cover.

As someone who rides horses, what are the main reasons to get life insurance?

There are a few key reasons why you might want to consider getting life insurance:

  • To provide financial security for your loved ones in the event of your death
  • To pay off debts and other expenses that you may leave behind
  • To help ensure that your family can maintain their standard of living even if you’re no longer around to provide for them
  • To provide money for funeral and burial costs

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Horse Riding, A High-Risk Activity For Life Insurers?

There are risks attached to horse riding. One of the main dangers is coming off your horse which could cause serious injury. Depending on what type of horse riding is participated in will affect how insurance underwriters view your hobby or if you ride full time or professionally.

  • Do you ride competitively?
  • Are you involved in show jumping?
  • Are you a professional instructor?
  • Are you a professional jockey or trainer?
  • What size of horse do you ride?
  • How often do you ride?
  • Which locations do you ride?

On the one hand, moderate equestrian activity can be part of a standard life insurance policy. Yet, if you are a professional jockey or a competitive show jumper, this may be something that underwriters may want to look at more closely.

How Can Insurance Hero Help?

Insurance Hero has trusted relationships with numerous underwriters specialising in life insurance for horse riders, including unusual or riskier activities. Where they add value for an underwriter is through their understanding of you, the equestrian enthusiast.

They will run through a detailed questionnaire with you, highlighting your precise horse-riding activities. They will also build an accurate profile of you through unobtrusive fact-finding questions.

For example, regarding where you ride, is it:

  • On hilly or mountainous terrain
  • On a beach
  • Close to cars, roads and built-up areas
  • In the countryside
  • In rivers or fast-flowing water
  • In deep water, such as lakes or the sea

By accurately highlighting the exact nature of your equestrian activities, they ensure you pay a premium that accurately reflects your circumstances. They do not want you to pay an additional risk premium or be at risk of exclusion.

Exclusion of your equestrian activities is something to avoid. Less accurate screening of your activities increases the risk of your horse riding participation being excluded from your life insurance policy.

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Life Insurance Cover For Horse-Riders

Life Insurance Cover provides the peace of mind that your family or dependents will be financially secure in the event of your death, even if this is as a result of your horse riding activities.

By providing regular monthly premiums as agreed under a fixed-term policy, a payout would be due in the case of death.

Equestrian life insurance cover is advisable if you have outstanding financial commitments. Should you die, would your family or dependents struggle to pay any of the following?

If the answer is yes to the below life insurance can provide peace of mind:

  • An outstanding mortgage
  • Personal loan
  • Car loan
  • Hire purchase agreement
  • Credit card debt
  • Only one source of household income

Insurance Hero is your friendly life insurance broker. We are independent with no preference for any insurance underwriter. Contact us now on 0203 129 8866 for a fair and competitive life insurance quote. Your life insurance policy is our priority!

Horse Riders Critical Illness Cover

With a critical illness cover policy, regular premiums throughout the term will result in a payout should you be unable to work after being diagnosed with a critical illness or medical procedure. Not all diseases are covered, and it is essential to define inclusions at the outset of the policy clearly.

Examples of conditions and surgeries covered under a typical critical illness policy are the following:

  • Coronary artery by-pass grafts
  • Heart valve replacement or repair
  • Liver failure
  • Multiple system atrophy
  • Parkinson’s disease
  • Pulmonary artery surgery
  • Creutzfeldt-Jakob disease
  • Alzheimer’s disease or pre-senile dementia
  • Severe lung disease
  • Certain types of cancer
  • Systemic lupus erythematosus
  • Loss of hand or foot
  • Benign spinal cord tumour
  • Paralysis of a limb

It is possible to choose from different types of horse riding life insurance cover. To find out more about this contact Insurance Hero, but in a nutshell:

  • Level cover is where the lump sum cover is the same throughout the policy
  • Decreasing cover results in a lump sum that declines throughout the policy
  • Increasing cover sees the lump sum increase each year in line with the cost of living

What is Income Protection Cover and When Should It Be Considered?

Are you the primary source of income for your family? Do you have outstanding debt? If the answer is yes to either of these questions, you should consider income protection cover.

If you cannot go to work for a sustained period due to illness or perhaps an accident resulting from your horse riding, why not have the peace of mind that comes with equestrian income protection cover?

In return for paying a regular monthly premium into a plan where you are the policyholder, should something happen to you, you have cover for that peace of mind.

You should consider income protection cover if you have outstanding financial commitments including but not limited to, the following:

  • Personal loans
  • Car loans
  • Hire purchase agreements
  • Mortgage
  • Credit card debt
  • Bank overdrafts
  • Equity Release

Our professional team of brokers will talk you through your life insurance for horse riders options and how we can get you a no-obligation income protection cover quote, including your horse-riding activities. Call now on 0203 129 8866. Enjoy your equestrian pursuits with the knowledge that a watertight policy covers your back.