Horse Insurance

Professional Business Insurances for All Types of Horse Insurance. From Shetland ponies to shire horses, our policies cover all steeds. At AIC, we appreciate the many risks horse owners face. We know, because we are horse owners and riders ourselves. Our horse insurance perfectly reflects this and aims to protect against risks like death, injury or illness so that you can focus fully on your riding.

Owning a horse or pony can be demanding. With technological advances in the diagnosis, surgery, treatment and medication of equine welfare, veterinary bills are ever-increasing. If your horse sustains an injury, causes damage to someone else’s property or worse, are you confident you can afford to pay for the repercussions, both financial and otherwise?

For more information watch our quick video or keep reading

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Welcome to Horse insurance from AIC

As an independent broker we have contact with pretty much all equine insurance companies who offer insurance for horses, so our pricing is based on best of market rates and our quotation service to you is free.

We pride ourselves on our in-depth knowledge of both the horse and the insurance world, bringing you the finer points of cover and service. Our department head Celine McKenna has worked in the insurance industry for 10 years and has been riding for over 20. Celine concentrates mainly on her dressage now but has successfully competed in most disciplines, working and riding alongside professionals.

What’s included?

Bespoke package

Whether you need cover for everything or you’re just concerned over one specific piece of cover, we can formulate a bespoke horse insurance package around your business.

Dedicated account handler

A dedicated account handler will look after you, from sales through to claims, so you’ll always know who you’re dealing with.

Best quote

Our pricing is constantly monitored and from a wide range of insurers, so you’ll always get the best quote.

Need help?

Talk to one of our friendly consultants to assess your needs and find a bespoke insurance solution to suit your business.

01442 24 24 00

How to make a claim

Whilst you normally have an emergency phone number stated on your policy documents, we always recommend talking to your account handler first.

How to make a claim

Accreditations and Awards

More about AIC

Our specialist team

Meet the team

Michael Hamidy

Operations Director

01442 24 24 00

Darren Clowes

Sales Executive

01442 24 24 00

Celine Bees

Sales Director

01442 24 24 00

Frequently Asked Questions

Do I still need to disclose claims, convictions, criminal record and bankruptcy to insurers after all these years?

We at AIC always recommend to air on the side of caution, and disclose everything to ourselves, and we can help you decide if this information needs to be told to insurers, which normally it does.

There are different rules to follow from various sources, as an insurer may ask you to declare convictions in the last 10 years, whereas the rehabilitation act may dictate that you don’t need to declare it for more than say 5 years. DVLA may give you a different answer again for motoring convictions! Talk to one of our friendly consultants and let us help you.

Why AIC rather than a price comparison site?

Using a dedicated insurance broker provides benefits completely unseen when using a comparison site. With AIC, you’re afforded your own dedicated account manager who specialises in the cover you are seeking. Getting to know our clients is paramount to our customer service dedication and getting to know you AND your requirements is part of that. When you use a price comparison website, you are quite literally just a number and just a click-cost.

Why do you ask so many questions?

With any type of cover it is important to present insurers with all the information that will or could possibly affect the way they look at the risk. If this is not provided, insurers have the right to walk away from a claim, to change terms at the time of a claim, or reduce an amount paid depending on which law the insurance adheres to.

A good insurance broker (like AIC) should not be afraid to ask the right questions of a potential policy holder, or suggest ideas that will help in the risk management of the cover in question. Insurance is there to help you in the event of a problem, and it makes no sense to cut corners on something so important. We’re here to help you!

Do you have a call centre?

We hate call centres as much as you! Our phones will never be answered by a call centre and only by a staff member. You only deal with your allocated account advisor, so you know who you will be dealing with every time you need to reach out to us.

Do I have to pay in full or can I do instalments?

There are two main ways you can pay your insurance: the full sum to cover the next 12 months upfront, or in 12 monthly instalments over an annual period.

The major drawback to monthly payments is paying by instalment usually makes the total cost of cover higher than it would be if you paid in one go. This is because the insurance company is effectively lending you the money to pay the premium, so it will charge you what amounts to interest on the repayments you make across the year.

By paying In full you are clearing your entire payment all in one go, meaning the insurance company won’t have to lend you the money and you won’t be due any premiums on the loan.

How can I reduce the cost of my insurance?

Great question and one we can of course help you with! Business insurance premiums are arrived at by the analysis of your likeliness to have a loss. When you apply for coverage, your information will be analysed by an underwriter who is responsible for determining whether or not they will consider writing a policy for you. Each business has completely different circumstances and we highly advise you to get in contact with us so we can understand and advise in the best possible way.