Hit the road with confidence

Gearing up for a busy season behind the wheel? Before you dust off your sat-nav, make sure you’re properly covered with Shearwater Insurance

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NO matter how often you take to the road with your horse, it’s essential you have the right insurance policy for your horsebox or trailer. But do you know which category your usage falls into?

WHEN IT’S JUST FOR FUN

A SOCIAL, domestic, and pleasure (SDP) policy adequately cover most horse owners. This level of coverage allows the nonprofessional rider to get out and about with their horse to compete for pleasure, but it’s not likely to be the right choice for an amateur competing at major competitions with large prize funds. Regardless of whether you consider those prize pots a significant part of your annual income, they’ll likely push you into the professional category from an insurance point of view.

WHEN IT’S FOR PROFIT