Horse Insurance

Horse Insurance

We understand that a horse is both a treasured companion and can be a substantial investment. Equine insurance offers you cover for the death or loss of use of your horse, as well as for your public liability as a horse owner. It also includes the option to cover your horse's veterinary costs and your valuable equine equipment, and even to add personal accident cover in case the worst should happen.

We've teamed up with Aon, a leading Australian insurance broker, to let you know about the following broad, flexible and cost-competitive insurance product for your horse and equipment.

Horse Insurance in brief*

If your horse dies as a result of an accident, injury or illness during your period of insurance you may lodge a claim to receive a lump-sum compensation payment. This cover should also help protect you in case your horse is stolen. Be sure to check the PDS and policy terms and conditions for full details of what's covered and what's not.

Whether you keep your horse for showing, sport or breeding, if something happens you could lose a valuable income stream. Loss of use insurance can pay a lump sum if sickness or injury leaves your horse unable to fulfil the purpose you keep it for.

If your horse were to hurt or damage someone or their property, you may be liable for their injuries or losses. You could face legal proceedings and have to pay costs and compensation; you can help protect yourself against this risk by adding either $10m or $20m public liability cover to your horse insurance policy.

You can tailor your horse insurance to protect you against a range of other risks, including up to $7.5k per year for veterinary costs, up to $2k per item for accidental loss or damage of your riding equipment, public liability, and accidental loss or damage cover for your horse float. You can also add personal injury cover, which pays a lump sum if you are injured or killed in an accident while riding or tending to your horse. You'll find full details in the PDS.

You can get on-the-spot cover for horses valued up to $15k by applying online. You will be asked to answer some simple questions about your horse and your requirements and provide you with an instant quote – then just complete four short steps to buy your policy and help protect your horse.

Policy terms and conditions apply, including limits and exclusions, see the relevant Product Disclosure Statement for details.


We know that you expect high-quality products at affordable prices from 1300 Insurance, so we've teamed up with one of Australia's leading insurance brokers, who have more than 25 years' experience supporting horse owners across Australia, to bring you this broad based equine insurance product.

Horse insurance is a broad and affordable policy designed to cover the key risks involved with owning and riding a horse (such as death or loss of use, personal liability for nominated horses, vet expenses, rider accident and horse-related equipment) in a single, cost-effective policy that you can tailor to your specific needs.

Policy Benefits

You can take out horse insurance whether you own your horse just for pleasure or for a range of purposes including: breeding, carriage driving, dressage, hacking, eventing, showing and stock work. This policy may assist you if:

  • Your horse is aged between 1 and 15 and is in good health.
  • You own up to 10 horses, and haven't claimed on horse insurance for death or loss of use of a horse within the last 5 years.
  • Your horse is valued at less than $15k.

Please note that the above criteria is only for the online purchase – cover is available outside of these criteria and can be discussed by using the contact form here.

When you buy your horse insurance you can combine a range of cover options to suit your needs, including:

  • Mortality cover – a lump sum payment of the lower of the amount insured or the horse's market value if your horse is killed as a result of accident or illness. There is no excess on mortality claims.
  • Loss of use cover – a payment of the lower of 80% of the sum insured, or 80% of your horse's market value, if sickness or injury leaves it permanently unable to perform the function you keep it for. There is no excess on loss of use claims.

If you have a breeding stallion you can also add optional fertility cover to protect against accidents or illness.

  • Personal liability – your choice of $10m or $20m protection against your legal lability should someone be injured or their property damaged as a result of your horse ownership. Legal costs and expenses for defending a claim are also covered, up to the policy limit.
  • Veterinary expenses insurance – up to $7.5k cover per year for vet costs in case your horse becomes sick or is injured, with an excess per claim of $500. You can also add up to $300 cover for post-mortem expenses, and up to $300 for the cost of moving your horse's remains after death.
  • Personal accident cover – a lump sum payment in the event that you are killed or permanently impaired as a result of an accident while riding or tending your horse. There is no excess on personal accident claims.
  • Riding equipment insurance – up to $2k per item for accidental loss or damage of your riding equipment. This cover protects your equipment anywhere in Australia, with an excess of just $50.
  • Horse float insurance – cover for the repair or replacement of your horse float, up to the amount insured or the market value, if your horse float is lost, stolen or accidentally damaged. Excess for float claims is just $200.

How to buy cover

Buying your horse insurance couldn't be easier. Simply click here to BUY NOW, you will be asked some simple questions about your horse(s) and your requirements for an instant quote. Then all you need to do is complete the four short steps to buy online. For more complex requirements you may also need to contact Aon. Your cover will start the instant you application is accepted and your policy documents issued.

Need to claim?

If something does happen to your precious horse, you need an insurance provider who will act fast to help you. That's why we've partnered with one of Australia's leading insurance brokers to let you know about this policy.

To make a claim, view our claims page and act as quickly as possible.

*Situations and circumstances of the need for Horse insurance can be complex and vary, be sure to check the PDS for full details of what is and is not covered. The PDS is available when you go online to get a quote.

Get a quote Buy instantly online

This information has been prepared by 1300 Insurance Pty Ltd ABN 50 124 845 727 (1300 Insurance) in conjunction with Aon Risk Services Australia Limited ABN 17 000 434 720, AFSL 241141 (Aon). 1300 Insurance acts a referrer and is limited to providing factual information only about this cover. 1300 Insurance may receive remuneration that is a percentage of the premium if you decide to purchase this insurance.

The information contained on this page is general in nature and should not be relied on as advice (personal or otherwise) because your personal needs, objectives and financial situation have not been considered. So before deciding whether a particular product is right for you, please consider the relevant Product Disclosure Statement. If you have any queries, please use this contact form.

Buying your horse insurance through 1300 Insurance couldn’t be easier.

Simply click here to BUY NOW, and our partner, AON, will ask you to answer some basic questions about your horse(s) and your requirements for an instant quote. Then all you need to do is complete the four simple steps to buy online.

For more complex requirements you may also need to speak to a friendly consultant. Your cover will start the instant AON accepts your application and issues your policy documents.

In most cases, you can get horse insurance on the spot, and have your cover in place within minutes.

For higher-value or older horses, and horses involved in high-risk activities like polo or eventing you may need to speak to one of AON’s friendly consultants to get a quote.

Your cover will start the moment AON accepts your application and issues your policy documents.

If something does happen to your precious horse, you need an insurance company who will act fast to help you. That’s why we’ve partnered with one of Australia’s leading insurers to bring you this policy.

To make a claim, contact AON as quickly as possible by phone; 1800 806 493, email [email protected], or post: PO Box 1331, Parramatta, 2124.

With AON horse insurance, you can combine a range of benefits to suit your needs, including:

  • Mortality cover
  • Loss of use cover
  • Personal liability insurance
  • Personal accident cover
  • Veterinary expenses insurance
  • Riding equipment insurance
  • Horse float insurance

Conditions and limits do apply to each type of cover, so make sure you read the PDS for full details of what’s covered.

The cost of your horse insurance will depend on the value of your horse, and the types of activity your horse is involved in, and which benefits you opt for when you are choosing your cover.

Before you buy any type of insurance, you have a duty of disclosure to tell the insurer anything you know and that a reasonable person in the circumstances would include in their answer, to any questions the insurer asks that are relevant to their decision to insure you and on what terms.

This duty applies until the insurer agrees to insure you. If you don’t comply, the insurer may cancel your contract, reduce the amount payable for a claim, or both. If your failure is fraudulent, the insurer can refuse a claim and treat the contract as if it never existed.

All the speciality insurance products we offer are underwritten by AON Risk Services Australia Limited | ABN 17 000 434 720 | AFSL 241141.

AON is an Australian Insurer authorised to conduct insurance business in Australia by the Australian Prudential Regulatory Authority (APRA).

AON is a member of the Insurance Council of Australia and subscribes to the General Insurance Code of Practice.

Have a question that you'd like us to answer?

Specialist insurance products are made available through 1300 Insurance’s partnership with AON. 1300 Insurance has commercial arrangements with a number of insurance manufacturers and brokers in order to bring you quality low cost insurance options.