Updated: October 15, 2019

Life Insurance for Horse Riders

Being a horse ride either professionally or recreationally often means ou have specific life insurance needs. Find out how to get the right policy in our guide

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Pete Mugleston

Author: Pete Mugleston - Mortgage Expert

Updated: October 15, 2019

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.

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.

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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.

Ask a quick question

We can help! We know everyone's circumstances are different, that's why we work with brokers who are experts in higher-risk life insurance. Ask us a question and we'll get the best expert to help.

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Pete Mugleston

Pete Mugleston

Mortgage Expert

About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

FCA Disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms that are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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