Life Insurance for Horse Riders

While everyone is entitled to a little fun, there are a number of activities or hobbies that many insurance providers would deem as dangerous activities or hazardous hobbies.

This can include horse riding which some, but not all, providers classify as ‘High Risk‘ for life insurance.

The good news is that the advisors we work with are experts, and can offer you the right advice on life insurance, whether you’re a keen horse rider or take part in other dangerous sporting activities.

We’ll cover a couple of important points in this article, but if you want some expert advice, you can call 0808 189 0463 or make an enquiry to arrange a free, no obligation chat with one of the life insurance specialists we work with.

We'll match you with your perfect financial advisor

Save time and money with an expert who specialises in cases like yours

We'll match you with your perfect financial advisor

Save time & money with an expert who specialises in cases like yours.

Can I get horse riders life insurance?

The short answer is yes. For people who ride horses or take part in equestrian activities, life insurance is generally available and there are some providers who will offer life insurance at the standard rates.

Does it cost more?

As a rule of thumb, the premiums you will be expected to pay for horse riding life insurance can depend on a number of key factors which insurance underwriters will use to assess the level of risk.

These include:

  • What type of horse you ride
  • How regularly you ride
  • What kind of horse riding activity you do (hacking, events, show jumping, dressage, etc)
  • Your level of experience of horse riding  (e.g. whether you’re an amateur or a professional rider)

The specialist life insurance advisors we work with are whole-of-market, and have a working relationship with almost all life insurance providers, not just a select few, so they should be able to find the best deal for your circumstances.

Make an enquiry to find out how much horse rider life insurance might cost you.


Does horse riding affect other kinds of insurance?

Yes. Almost any kind of perceived dangerous or hazardous sports such as horse riding  could have an affect on other policies. While many providers don’t consider horse riding to be as dangerous as say, scuba diving or skydiving, it’s still a good idea to take out life insurance to protect your family should the worst happen.

Other policies that could be affected include –

Remember, the specialist insurance advisors can offer the right advice whatever kind of policy you’re looking for, and they’re sure to find the right one for you, at the right price.


Where can I get the best advice?

If you’ve recently been declined horse riding life insurance or the premiums you were quoted seemed too high, speak to one of the insurance experts we work with.

They are all fully independent advisors with access to providers across the UK. We’ll match you with an advisor who specialises in helping people who take part in dangerous sporting activities, such as horse riding, to get life insurance at the best possible price.

You can arrange a free, no obligation chat, or call us on 0808 189 0463 and we’ll put you in touch with the right advisor.

We'll match you with your perfect financial advisor

Save time and money with an expert who specialises in cases like yours

We'll match you with your perfect financial advisor

Save time & money with an expert who specialises in cases like yours.

We’ll match you with your perfect financial advisor – for free.