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Horse insurance

Solutions for horses and related liability.

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Horse insurance
ALPE · INSURANCE ADVICE

Coverages and options to consider

These topics come from ALPE’s original insurance pages. We can review them with you; availability, limits, exclusions and prices depend on the insurer and the specific policy.

Third-party liability

For liability insurance, examine who may claim, for what loss, the insured activity, limits per occurrence and legal defence costs. What is being assessed? This section concerns “Third-party liability”. When comparing quotations, identify the events that would activate the benefit and the supporting documents that may be required. What varies between policies? Check whether it is included, optional or excluded, and review applicable limits, sublimits, excesses, waiting periods and exclusions. What should you ask ALPE? Explain your circumstances and request a written comparison of the scope, conditions of use, insured amounts and claims procedure. Only the actual policy wording defines the cover.

When reviewing this insurance, start with Third-party liability, Death or humane euthanasia of the horse and Theft and related damage. Considering these points helps compare alternatives and select the protection that fits your circumstances.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.
Death or humane euthanasia of the horse

For horse insurance, check identification, the animal’s use, age, territory, veterinary exclusions and transport conditions. What is being assessed? This section concerns “Death or humane euthanasia of the horse”. When comparing quotations, identify the events that would activate the benefit and the supporting documents that may be required. What varies between policies? Check whether it is included, optional or excluded, and review applicable limits, sublimits, excesses, waiting periods and exclusions. What should you ask ALPE? Explain your circumstances and request a written comparison of the scope, conditions of use, insured amounts and claims procedure. Only the actual policy wording defines the cover.

When reviewing this insurance, start with Third-party liability, Death or humane euthanasia of the horse and Theft and related damage. Considering these points helps compare alternatives and select the protection that fits your circumstances.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.
Theft and related damage

For material damage, distinguish the assets insured, their rebuilding or replacement value, accepted causes of loss and any additional expenses. What is being assessed? This section concerns “Theft and related damage”. When comparing quotations, identify the events that would activate the benefit and the supporting documents that may be required. What varies between policies? Check whether it is included, optional or excluded, and review applicable limits, sublimits, excesses, waiting periods and exclusions. What should you ask ALPE? Explain your circumstances and request a written comparison of the scope, conditions of use, insured amounts and claims procedure. Only the actual policy wording defines the cover.

When reviewing this insurance, start with Third-party liability, Death or humane euthanasia of the horse and Theft and related damage. Considering these points helps compare alternatives and select the protection that fits your circumstances.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.
Veterinary hospital costs

For healthcare, verify the provider network, available facilities, pre-authorisations, waiting periods, exclusions and access conditions. What is being assessed? This section concerns “Veterinary hospital costs”. When comparing quotations, identify the events that would activate the benefit and the supporting documents that may be required. What varies between policies? Check whether it is included, optional or excluded, and review applicable limits, sublimits, excesses, waiting periods and exclusions. What should you ask ALPE? Explain your circumstances and request a written comparison of the scope, conditions of use, insured amounts and claims procedure. Only the actual policy wording defines the cover.

When reviewing this insurance, start with Third-party liability, Death or humane euthanasia of the horse and Theft and related damage. Considering these points helps compare alternatives and select the protection that fits your circumstances.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.
Emergency transport of the horse

For assistance services, check where help is available, whether an approved network is used, any time or mileage limits and how to request assistance. What is being assessed? This section concerns “Emergency transport of the horse”. When comparing quotations, identify the events that would activate the benefit and the supporting documents that may be required. What varies between policies? Check whether it is included, optional or excluded, and review applicable limits, sublimits, excesses, waiting periods and exclusions. What should you ask ALPE? Explain your circumstances and request a written comparison of the scope, conditions of use, insured amounts and claims procedure. Only the actual policy wording defines the cover.

When reviewing this insurance, start with Third-party liability, Death or humane euthanasia of the horse and Theft and related damage. Considering these points helps compare alternatives and select the protection that fits your circumstances.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.
Legal defence and protection

For legal protection, review which disputes and proceedings are covered, the right to choose a professional, allowable costs and limits per case. What is being assessed? This section concerns “Legal defence and protection”. When comparing quotations, identify the events that would activate the benefit and the supporting documents that may be required. What varies between policies? Check whether it is included, optional or excluded, and review applicable limits, sublimits, excesses, waiting periods and exclusions. What should you ask ALPE? Explain your circumstances and request a written comparison of the scope, conditions of use, insured amounts and claims procedure. Only the actual policy wording defines the cover.

When reviewing this insurance, start with Third-party liability, Death or humane euthanasia of the horse and Theft and related damage. Considering these points helps compare alternatives and select the protection that fits your circumstances.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.
ALPE · INSURANCE ADVICE

How we find the right protection

  1. We listen to your needs
  2. We compare options and terms
  3. We help you choose and arrange cover

Are all these benefits included?

Not necessarily. Coverage, insured amounts, excesses and exclusions depend on your policy terms. Ask for a personalised review before deciding.

Information adapted from ALPE’s historical product pages; subject to review and current policy terms.

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