Affordable Horse Insurance
Comprehensive protection doesn't have to be expensive
Saving Money on Horse Insurance
Horse insurance can be affordable without sacrificing coverage quality. Our leisure horse mortality insurance starts from just NZ$150–250 per year—less than NZ$5 per month for comprehensive protection. For leisure horses valued under NZ$10,000, basic mortality cover is our most economical option. Combining mortality and basic major medical cover for leisure horses typically costs NZ$400–600 annually—reasonable insurance for protecting your investment.
Combining Covers Efficiently
Bundling covers often saves money. Adding major medical to mortality cover typically costs less than purchasing them separately. Similarly, adding liability insurance as a rider to a mortality policy is more cost-effective than separate policies. We structure our bundles to maximise value—you get comprehensive protection without paying premium for separate policies.
Choosing Appropriate Coverage Levels
Not every horse needs maximum coverage. A leisure horse doesn't need high-limit major medical—NZ$10,000–15,000 is sufficient for most emergency situations. A horse kept for occasional use doesn't need Loss of Use cover. A pony valued under NZ$5,000 can be insured affordably with basic mortality. We help you select coverage appropriate to your horse's value and use, avoiding unnecessary premium costs.
Multi-Horse Discounts
If you own multiple horses, we offer multi-horse discounts on combined premiums. Insuring three leisure horses as a group costs less per animal than insuring individually. This is ideal for riding schools, small breeding operations, or families with multiple animals. Ask about our multi-horse rates—substantial savings are available.
Long-Term Policy Savings
Longer policy terms (annual rather than monthly) typically offer better rates. We also provide discounts for multi-year commitments—insure your horse for three years and receive a discount on the total premium. Bundling horses, choosing appropriate coverage, and committing to longer terms all reduce your insurance costs whilst maintaining comprehensive protection.
Explore Coverage Types
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