Harry Hall Insurance: Is It Worth It to Have a Horse Insurance in 2023?


Should you insure your horse with Harry Hall Insurance if you consider it a good investment?

Owning a horse is a dream come true for any horse enthusiast, but it is an expensive endeavour. And you’ll want to keep a tight grip on your emotional and financial investment.

Can you afford exorbitant veterinary bills if your horse becomes ill or injured? What precautions should you take if your horse injures a rider?

Fortunately, equestrian insurance can alleviate these worries. There are numerous companies to consider, so we’ll assist you in determining how to compare horse insurance plans.

In this article, you will learn more about Harry Hall Insurance and how it operates.

What Is Harry Hall Insurance ?

Harry Hall Insurance is a company that specializes in providing insurance coverage for your horse. Harry Hall insurance, which was founded in the 1870s, has spent a long time working to become the UK horse brand dedicated to making horse ownership more affordable.

Horses are used in the daily operations of breeders, trainers, riding instructors, and other equine businesses. A horse is a valuable asset, and if one becomes ill or injured, a business may incur significant expenses or lose income.

Equine businesses can protect themselves from these unanticipated losses by investing in harry hall Insurance.

Why Harry Hall insurance?

Here’s a brief rundown of insuring your horse with Harry Hall insurance:

  • With a 5-star service rating, Harry Hall insurance is trusted (and loved) by thousands of happy equestrians.
  • What you see is what you get with no horse insurance quotes, just flat online rates that allow you to compare prices without having to pick up the phone.
  • All but one of our policies have no age restrictions, from 30 days old to veteran horses.
  • Members of the One Club receive up to 30% off in our online equestrian shop, as well as free shipping on orders!

Understanding horse insurance?

Equine insurance will provide coverage for death caused by illness, disease, or injury. It will also cover loss due to theft or if your horse runs away. This could include money for you to advertise or set up a reward for the safe return of your pet.

Horse owners are all too aware that if their animal becomes ill, the cost of caring for it can be prohibitively expensive.

A colic operation, for example, can easily cost several thousand pounds in an emergency.

When purchasing equine insurance, it is critical to understand the horse world and the UK equestrian insurance market. This is no easy task: with so many different providers and options available, no one option may be best. We’ve put together this horse insurance guide to make things easier for you.

Before purchasing our horse insurance, think about which coverages are most important to you. The bare minimum of coverage will be for a horse’s death, theft, and straying.

Horse insurance VS pet insurance

Horse and pet insurance policies serve the same purpose in that they protect the owner from large claims or costs associated with the animal.

As a horse owner or rider, public liability to protect against damage or injury caused by your horse, as well as personal accident cover for financial support in the event of an injury, is far more important to us.

Additional policies, such as saddlery and tack cover or horse trailer insurance, are available to help with the cost of replacing damaged or stolen extras that come with owning a horse.

Another consideration is disposal costs, which, while unpleasant to contemplate, are well worth insuring against.

At Harry Hall Insurance, their goal is to make all of this coverage as transparent and affordable as possible. As a result, you can select all of the above in our policies piecemeal to create the ideal policy for you at an affordable price.

You can check out our PERFECT PET INSURANCE REVIEWS AND COSTS in order to have a better understanding of pet insurance cover.

What does good horse insurance cover?

There are various levels of horse insurance available, each with its own set of benefits, so make sure you choose the right one for you. The following are some of the most common features:

Cover for the death of your horse:

Insurance for your horse’s death protects you from the financial consequences of your horse’s accident, illness, or disease.

Cover for theft or straying:

If your horse is stolen or stray, theft or straying insurance will cover the cost of advertising your horse as missing up to a certain amount. If your horse is not recovered within 28 days of being stolen or straying, you may be entitled to compensation for the market value or the sum insured.

Public liability insurance:

Public liability insurance, which is included in your horse insurance policy, will protect you against the costs incurred by members of the public who suffer personal injury or property damage as a result of your horse. To learn more, contact your insurance company. A company like Harry Hall insurance customer service is always available to attend to your needs.

Personal accident cover:

Personal accident coverage under a horse policy, on the other hand, is designed as catastrophe coverage and is therefore limited. Many persons would like to include a weekly benefit, which is not typically available under these policies.

How to buy cover

Going online and carefully comparing prices is the best way to purchase horse insurance. You can accomplish this by using a comparison website.

You may discover that insurers provide various types of insurance, such as a horse plan, a rider plan, and a special plan for older horses.

It’s probably worth paying a little more for more comprehensive coverage for peace of mind.

How much does horse insurance cost?

The price of a horse insurance policy is based on a variety of factors, including:

Your horse’s age:

As your horse ages, the likelihood of it becoming ill increases. While foals are more likely to have difficulties learning to walk.

The activities your horse takes part in:

Different activities entail varying degrees of risk. To give you an idea of what this entails, activities like hacking, schooling, and riding clubs are typically regarded as low risk. Activities such as hunting, on the other hand, are likely to be considered high-risk.

Additional cover desired:

While a basic horse insurance policy will cover a horse’s death, theft, and straying, you may want to add coverage for veterinary fees and public liability. Such extras will increase your premium, but vet fee cover is generally popular because it can save you a lot of money if your horse needs medical attention.

What Should You Consider When Comparing Horse Insurance Companies?

When comparing equine insurance companies and policies, there are numerous factors to consider.

  • Horse Insurance Cost
  • Limitations

Horse Insurance Cost

Cheap horse insurance, like any other insurance policy, isn’t always the best option. When comparing horse insurance quotes, keep in mind your deductibles, what services are covered, and any additional out-of-pocket expenses. Check out HIRE AND REWARD INSURANCE: Quotes for Car and Van


Exclusions in policies can vary, so make sure to read the fine print. Most horse insurance policies exclude horses over the age of 15, as well as pre-existing and degenerative conditions.

Harry Hall insurance Public Liability and Personal Accident Insurance

Harry Hall insurance one club gold membership includes:

  • £10m Public Liability Insurance
  • £10k Personal Accident Insurance
  • Amazing savings on HarryHall.com
  • Free UK Delivery & Returns

Public liability insurance Explain

Public liability insurance protects you if an incident involving your horse injures a third party or damages their property. If a member of the public files a successful claim against you, the policy will pay any damages awarded, as well as any associated legal costs, if you are found legally liable. When considering equine insurance, it is critical to select a reputable (or highly rated) provider with a focus on the equestrian industry.

Why horse owners need Public Liability Insurance

Horse insurance for public liability is essential. It protects riders out on their horses in public places against injury or damage to third parties if they are found liable. One of the many advantages of becoming a gold member is larry hall public liability insurance.

For those who require it, our Gold Plus Membership includes affiliated competition riding. It is simple to become a member.

Membership in the Harry Hall One Club not only ensures that you are covered in the event of an accident but also entitles you to exclusive discounts on our horse riding clothing and accessories, including horse rugs.

Harry Hall insurance Vet Fees Insurance

Harry Hall insurance member-exclusive Horse Veterinary Fees Insurance includes:

  • Protection for accidental and external injuries up to claim limits of £1,500 or £3,000. Pick the level to suit your needs.
  • Covers up to 2 horses as standard or up to 4 horses for One Club Gold Family members.

Why you should take out Harry Hall insurance Horse Vet Fees Insurance

Veterinary fees can be expensive, particularly for horses, so having vet fee insurance in place can put your mind at ease and make the situation less stressful. We offer coverage ranging from accidental external injuries to colics and disposal, allowing you to find the level of protection that is right for you.

The cost of horse insurance can deter people from insuring older or less-ridden horses, that is why harry hall insurance offer ours for as little as £78.50 per year.


Harry Hall insurance offers horse insurance that can be tailored to suit you and your horse. Call for a quote, or to ask any questions in relation to your horse insurance enquiry, on 01274 711011. Alternatively, read more about harry horse insurance and what they can cover.

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