Test Environment

Hello, let's start your quote.

Who would you like to insure?

{{#foreach: RiskTypes }} {{#if Name === "horse" || Name === "rider" }} {{/if}} {{/foreach}}

Looking to insure your dog or cat.

Prices for dogs and cats can now be found on our new website. Use the links below to get your quote.

Your responses must be correct for each pet, horse or rider you wish to insure.

{{#if MarkedFreeze() === 'true' && $root.SelectedPolicy()}}

Unfortunately we are unable to provide cover for {{NameHint}} if they have been declared, or freeze marked as 'loss of use'.

If you are unsure if they have or not or have a question regarding this, please contact us.

Start new quote
{{/if}}

We'll need a BVA mortality certificate for all foals aged between 30 days to 1 year. Vetting certificates must be valid and no older than 30 days.

If we do not receive a copy of the vetting certificate within the first 14 days of the policy being taken out, then your insurance policy will be cancelled.

A copy of the certificate should be emailed to info@animalfriends.co.uk.

{{#if PolicyType() === 'horse'}}
You will not be covered for accidents within the first 2 days or illnesses starting within the first 14 days of your cover start date.
You will not be covered for accidents within the first 2 days of your cover start date.
{{/if}} {{#if PolicyType() === 'rider'}} {{/if}}

Based on your horse's age, this quote will be for our Standard Horse policy.

Our Standard Horse Policy covers horses between from 30 days to 20 years old and is a Time Limited policy. This means each new condition is covered for 12 months – as long as you renew your policy.

Based on your horse's age, this quote will be for our Mature Horse policy.

Our Mature Horse Policy covers horses over the age of 20 years and is a Time Limited policy that covers your horse in the event of accidental injury.

This means each new accidental injury is covered for 12 months – as long as you renew your policy.

We’ll provide cover for each new accidental injury up to £2000. There is an excess of £125 for every new condition, which is payable each policy year.

Does {{NameHint}} need cover for any injury or condition that has already been noticed?
This is known as a pre-existing condition. We consider a condition to be pre-existing if it was first noticed before your policy start date or within the waiting period, whether {{NameHint}} needed treatment previously or not.
{{#if PolicyType() === 'horse' && IsStandardHorse() }} {{/if}} {{#if PolicyType() === 'horse' && IsMatureHorse() }} {{/if}}
{{#if $parent.HasPreExisting() === 'true' && $parent.SelectedPolicy()}}

We are unable to provide cover for pre-existing conditions.

Pre-existing conditions aren’t covered by this policy. We consider a condition to be pre-existing if it was first noticed before your policy start date or within the waiting period, whether they needed treatment previously or not.

Would you like to continue without cover for pre-existing conditions?
{{#if PolicyType() === 'horse'}}
{{/if}}
{{/if}}

If your horse is a cross breed, please choose the most prominent breed. If your breed is not in the list please call us on 0344 557 0300 as we may still be able to insure your horse.

Horses we don't cover
{{#if IsStandardHorse() }}

We won’t cover horses younger than 30 days or older than 20 years. If you want cover for a foal aged between 30 days and one year old, you’ll need to provide us with a mortality certificate.

We also won’t cover horses used for racing or in any trade or business, for example horses or ponies in working liveries.

We also don’t cover stallions. When we say stallion, we mean a male horse more than three years old that hasn’t been gelded.

We don’t cover blind horses. We also don’t cover any horses that suffer from epilepsy or narcolepsy.

{{/if}} {{#if IsMatureHorse() }}

We won’t cover horses younger than 20 years old.

We also won’t cover horses used for racing or in any trade or business, for example horses or ponies in working liveries.

We also don’t cover stallions. When we say stallion, we mean a male horse more than three years old that hasn’t been gelded.

We don’t cover blind horses. We also don’t cover any horses that suffer from epilepsy or narcolepsy.

{{/if}}

This is your horse's current height. If your horse grows, please get in touch with us to update this information each year.

 

We don't cover stallions, by stallions we mean a male horse more than 3 years old that have not been gelded. If you buy a policy for a colt, your horse must be gelded by age 3 and you must notify us when your horse is gelded or your insurance will not provide cover.

Your horse's medical history should be emailed to us at info@animalfriends.co.uk.

We don't cover stallions, by stallions we mean male horses more than 3 years old that have not been gelded.

If you are unsure, please add your best guess.

Choose the amount of cover you would like

Our Standard Horse Policy is a Time Limited policy. This means each new condition is covered for 12 months – as long as you renew your policy.

Our Mature Horse Policy covers horses over the age of 20 years and is a Time Limited policy that covers your horse in the event of accidental injury.

This means each new accidental injury is covered for 12 months – as long as you renew your policy.

We’ll provide cover for each new accidental injury up to £2000. There is an excess of £125 for every new condition, which is payable each policy year.

Along with hacking, we’ll cover you if your horse develops a condition that means they’re permanently, physically unable to do the activity chosen.

This covers riders aged 18 to 75. We’ll also cover riders aged 5-18 if they are a member of your immediate family.

{{#if AmEditingRiskType() && !SelectedRider()}}

Next, your details

{{/if}} {{#ifnot AmEditingRiskType() && !SelectedRider()}}

Your personal details

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Can't find address? {{#if ShowManualAddressFields}} Search by postcode {{/if}} {{#ifnot ShowManualAddressFields}} Enter address manually {{/ifnot}}
{{#if: RideOtherPeoplesHorses() === 'false'}}

Unfortunately our rider policy only covers those who are riding horses they do not own or have on loan.

If you own or have a horse on loan, you can get rider cover for yourself when you take out our Horse Insurance cover.

Along with providing cover for riders and the cost of vet fees our horse insurance cover also allows you to add other extra benefits.

{{/if}}
These are known as pre-existing medical conditions.
{{#if $parent.HasPreExisting() === 'true'}}

Unfortunately, we are unable to provide cover for pre-existing conditions.

If the person to be covered by the rider policy has a pre-existing condition you’ll still be able to take out rider insurance with us, however we will not cover treatment for this or any related condition. Any pre-existing conditions will be excluded from your policy.

Would you like to continue without cover for pre-existing conditions?
{{/if}}
{{#if PolicyType() === 'horse'}}
You will not be covered for accidents within the first 2 days or illnesses starting within the first 14 days of your cover start date.
You will not be covered for accidents within the first 2 days of your cover start date.
{{/if}} {{#if PolicyType() === 'rider'}} {{/if}}

Young rider's details

{{#if AmEditingRiskType() && !SelectedRider()}}

Next, your details

{{/if}} {{#ifnot AmEditingRiskType() && !SelectedRider()}}

Your personal details

{{/ifnot}}
Can't find address? {{#if ShowManualAddressFields}} Search by postcode {{/if}} {{#ifnot ShowManualAddressFields}} Enter address manually {{/ifnot}}
{{#if !AmEditingRiskType()}}
{{#if AmEditingRiskType() && !SelectedRider()}}

Next, your details

{{/if}} {{#ifnot AmEditingRiskType() && !SelectedRider()}}

Your personal details

{{/ifnot}}
Can't find address? {{#if ShowManualAddressFields}} Search by postcode {{/if}} {{#ifnot ShowManualAddressFields}} Enter address manually {{/ifnot}}
{{/if}}
{{#if showBackAndContinueOnDetailsPage()}}
{{#if (SelectedPolicy() && SelectedPolicy().IsSaved()) || Policies().length > 1 || !AmEditingRiskType()}} {{/if}} {{#if SelectedPolicy() && SelectedPolicy().PolicyType() !== 'horse'}} {{/if}} {{#if SelectedPolicy() && SelectedPolicy().PolicyType() === 'horse'}} {{/if}} {{#if !AmEditingRiskType()}} {{/if}}
{{/if}}

Insurance and accident history

We require additional information before being able to provide a policy.

Please contact AFI on 0344 557 0300 (opening hours Monday to Friday 9-5pm).

We require additional information before being able to provide a policy.

Please contact AFI on 0344 557 0300 (opening hours Monday to Friday 9-5pm).

{{#if showContinueOnDeclarationsPage()}} {{/if}}
{{#if SelectedHorse()}}

Quote for {{AgeCategory}} Horse cover

{{#with SelectedPolicy}}
{{monthlyPremium}}
{{annualPremium}}
Cover chosen Excess
{{question}} {{coverChosen}} {{excess}}
{{/with}}

You can add up to 4 more riders.

  • Riders must be under the age of 75 years
  • Any riders aged between 5 and 18 years old must be immediate family.
{{#if PersonalAccidentCover() === "1"}}

We ask this information to be able to add any exclusions to the policy and to ensure you are fit to ride.

{{/if}}
{{/if}} {{#if SelectedRider()}}

Quote for {{CoverLevel}} Rider cover

{{#with SelectedPolicy}}
{{monthlyPremium}}
{{annualPremium}}
Cover chosen Excess
{{question}} {{coverChosen}} {{excess}}
{{/with}}

* Please refer to the Policy Booklet for more information on this benefit.

Insurance and accident history

We require additional information before being able to provide a policy.

Please contact AFI on 0344 557 0300 (opening hours Monday to Friday 9-5pm).

{{/if}} {{#if showBackAndContinueOnQuoteSectionPage()}}
{{#if RiskType() == 'horse'}}

Important information

You will not be covered for accidents within the first 2 days or illnesses starting within the first 14 days of your cover start date.
You will not be covered for accidents within the first 2 days of your cover start date.
We don't cover stallions, by stallions we mean a male horse more than 3 years old that have not been gelded. If you buy a policy for a colt, your horse must be gelded by age 3 and you must notify us when your horse is gelded or your insurance will not provide cover.
Your horse's medical history should be emailed to us at info@animalfriends.co.uk.
We don't cover stallions, by stallions we mean a male horse more than 3 years old that have not been gelded.
We won’t cover any claims for activities not covered by this policy.
Premiums may increase at renewal. Several things affect the price you pay when you renew, including your horse’s age, previous claims and the cost of vet fees in your area.
If you move to a new home, your premium may go up or down. We will contact you to confirm the changes to the terms or price of your policy. You have the right to continue with your cover or you can cancel your policy.
You are responsible for making sure you have an up-to-date horse passport. If your horse does not have a valid passport this could invalidate your insurance. We won’t cover claims if your horse isn’t microchipped in line with UK law. We may ask to see your horse’s passport to check details of their microchip.
We don’t cover anything that’s insured under other insurance policies.
{{#if DocumentsRequired()}}

You’ll need to send us:

A copy of the loan agreement within 14 days of taking out this cover.
A copy of the vetting documentation within 14 days of taking out this cover.
Tell me more about vetting requirements

Vetting certificates must be valid and no older than 30 days. If we do not receive a copy of the vetting certificate within the first 14 days of the policy being taken out, then your insurance policy will be cancelled.

We'll need a BVA mortality certificate for:

  • All foals aged between 30 days to 1 year.

We'll need a BVA Stage 5 certificate:

  • If you choose to have cover for death over £4000
  • If your horse is aged between 4 and 12 years old and you chose to have cover for when they can no longer do the activities you chose for them.

A copy of the certificate should be emailed to info@animalfriends.co.uk within the first 14 days of your policy start date.

The chassis number of your trailer.
A doctor’s certificate to confirm you are fit to ride as you are over 65 years old.
A doctor’s certificate to confirm {{firstName}} {{lastName}} is fit to ride as they are over 65 years old.
{{/if}}

We've made the following assumptions

You accept that we shall not provide cover for any pre-existing conditions.
You accept that we reserve the right to apply an exclusion to your policy if you noticed something was wrong with your horse before you took out the policy. We also may not cover a condition if a vet says it needs treatment and you don't get treatment or you delay getting it.
Before starting your ride, you should make sure you’re wearing a riding hat. We won’t pay claims if you injure yourself while riding, if you weren’t wearing a riding hat, unless you have a good reason, and we agree to it beforehand. We also won’t pay claims if you are injured and weren’t wearing the safety equipment required for the activity you are taking part in.
You are resident in the United Kingdom.
You are the person who is responsible for {{Name}}'s care. For example, you are the owner and keeper of {{Name}} or you are the loanee of {{Name}}.
You agree to keep us informed of any changes that could affect the policy.
{{/if}} {{#if RiskType() == 'rider'}}

Important information

You agree to keep us informed of any changes that could affect the policy.
{{#if CoverLevel() === "Standard"}} We won’t cover claims if you’re injured while doing any activity not covered by this policy. Please view the activities in the policy booklet below. {{/if}} {{#if CoverLevel() === "Young"}} We won’t cover claims if {{NameHint}} is injured while doing any activity not covered by this policy. Please view the activities in the policy booklet below. {{/if}}

Premiums may increase at renewal. Several things affect the price you pay when you renew, including the cost of medical treatment, legal fees and the cost of emergency vet treatment.

If you move to a new home, your premium may go up or down. We will contact you to confirm the changes to the terms or price of your policy. You have the right to continue with your cover or you can cancel your policy.
{{#if CoverLevel() === "Standard"}} We reserve the right to apply an exclusion to your policy if we learn of any pre-existing conditions you have, that you did not tell us about when you took out this policy. {{/if}} {{#if CoverLevel() === "Young"}} We reserve the right to apply an exclusion to your policy if we learn of any pre-existing conditions which affects {{NameHint}}'s' ability to ride or control a horse. {{/if}}

We've made the following assumptions

{{#if CoverLevel() === "Standard"}} It’s important you make sure you’re being safe when you go horse riding. Before starting your ride, you should make sure you’re wearing a riding hat. We won’t pay claims if you injure yourself while riding, if you weren’t wearing a riding hat, unless you have a good reason, and we agree to it beforehand. We also won’t pay claims if you are injured and weren’t wearing the safety equipment required for the activity you are taking part in. {{/if}} {{#if CoverLevel() === "Young"}} It’s important you make sure the young rider is being safe when they go horse riding. Before starting a ride, they should wear a riding hat. We won’t pay claims if they injure themselves while not wearing a riding hat, unless they have a good reason, and we agree to it beforehand. We also won’t pay claims if they are injured and weren’t wearing the safety equipment required for the activity they were taking part in. {{/if}}
You {{#if CoverLevel() === "Young"}} and {{NameHint}} {{/if}} are resident in the United Kingdom.
{{#if CoverLevel() === "Standard"}} You are riding horses which you do not own or have on loan. {{/if}} {{#if CoverLevel() === "Young"}} {{NameHint}} is riding horses which you or the young rider do not own or have on loan. {{/if}}
{{/if}}

Documents you must read before you purchase the product

{{/if}}

Review your policy

{{#if Policies().length == 1}}
£{{MonthlyPremium | decimal}}/month
£{{AnnualPremium | decimal}}/annual
{{Name}}
{{(PolicyType() == 'rider' ? CoverLevel() + ' Rider' : CoverLevel())}}
{{#if PolicyType() != 'rider'}}
{{AgeInYearsAndMonths}}
{{Breed}}
{{#if PolicyType() != 'horse'}}
{{CoverLevel() ? '£' + Excess() : ''}}
{{/if}} {{/if}}
{{InceptionDt}}
{{#if PolicyType() === 'rider'}}
You've chosen a {{CoverLevel()}} Rider policy.

The product covers the named Young Rider to ride horses that they or the Policyholder do not own or have on loan. It provides cover for accidents which happen while riding as well as cover if the horse they are riding injures someone or is injured or dies. Emergency vet fees are also covered if the horse the young rider is riding is injured in an accident.

This product meets the demands and needs of someone aged between the ages of 18 and 75 who wants cover to ride horses that they do not own or have on loan. It provides cover for accidents which happen while riding as well as cover if the horse you are riding injures someone or is injured or dies. Emergency vet fees are also covered if the horse you are riding is injured in an accident.

{{/if}} {{#if PolicyType() === 'horse'}}
You've chosen a {{AgeCategory()}} Horse policy.

This product meets the demands and needs of someone looking for cover towards vet fees for treating accidents, illnesses and conditions for their horse. Your horse will be covered for 12 months after the condition is first noticed by yourself or your vet, so this could mean when symptoms first arose or when an accident happened. This product is for someone who owns a horse and looks after it for more than 50% of the time. There are a range of optional benefits that you can choose to add to your policy to provide additional cover. Please review the details on this schedule carefully to ensure that this policy meets your demands and needs.

This product meets the demands and needs of someone looking for cover towards vet fees to treat accidental injuries for their horse once it is over 20 years of age. It doesn’t cover any illnesses or diseases they might have. Your horse will be covered for 12 months from the date the accident happened. This product is for someone who owns a horse and looks after it for more than 50% of the time. There are a range of optional benefits that you can choose to add to your policy to provide additional cover. Please review the details on this schedule carefully to ensure that this policy meets your demands and needs.

{{/if}}
My details
{{FullName}}
{{EmailAddress}}
{{#if Line1}}{{Line1}}
{{/if}} {{#if Line2}}{{Line2}}
{{/if}} {{#if Line3}}{{Line3}}
{{/if}} {{#if Line4}}{{Line4}}
{{/if}} {{PostCode}}
{{/if}} {{#if Policies().length > 1}}
{{#foreach SortedPolicies}}
{{(PolicyType() == 'rider' ? RiderFirstName() : Name())}}: £{{MonthlyPremium | decimal}}/month
{{Name}}
{{(PolicyType() == 'rider' ? CoverLevel() + ' Rider' : CoverLevel())}}
{{#if PolicyType() != 'rider'}}
{{AgeInYearsAndMonths}}
{{Breed}}
{{#if PolicyType() != 'horse'}}
{{CoverLevel() ? '£' + Excess() : ''}}
{{/if}} {{/if}}
{{InceptionDt}}
{{#if PolicyType() === 'rider'}}
You've chosen a {{CoverLevel()}} Rider policy.

The product covers the named Young Rider to ride horses that they or the Policyholder do not own or have on loan. It provides cover for accidents which happen while riding as well as cover if the horse they are riding injures someone or is injured or dies. Emergency vet fees are also covered if the horse the young rider is riding is injured in an accident.

This product meets the demands and needs of someone aged between the ages of 18 and 75 who wants cover to ride horses that they do not own or have on loan. It provides cover for accidents which happen while riding as well as cover if the horse you are riding injures someone or is injured or dies. Emergency vet fees are also covered if the horse you are riding is injured in an accident.

{{/if}} {{#if PolicyType() === 'horse'}}
You've chosen a {{AgeCategory()}} Horse policy.

This product meets the demands and needs of someone looking for cover towards vet fees for treating accidents, illnesses and conditions for their horse. Your horse will be covered for 12 months after the condition is first noticed by yourself or your vet, so this could mean when symptoms first arose or when an accident happened. This product is for someone who owns a horse and looks after it for more than 50% of the time. There are a range of optional benefits that you can choose to add to your policy to provide additional cover. Please review the details on this schedule carefully to ensure that this policy meets your demands and needs.

This product meets the demands and needs of someone looking for cover towards vet fees to treat accidental injuries for their horse once it is over 20 years of age. It doesn’t cover any illnesses or diseases they might have. Your horse will be covered for 12 months from the date the accident happened. This product is for someone who owns a horse and looks after it for more than 50% of the time. There are a range of optional benefits that you can choose to add to your policy to provide additional cover. Please review the details on this schedule carefully to ensure that this policy meets your demands and needs.

{{/if}}
{{/foreach}}
My details
{{FullName}}
{{EmailAddress}}
{{#if Line1}}{{Line1}}
{{/if}} {{#if Line2}}{{Line2}}
{{/if}} {{#if Line3}}{{Line3}}
{{/if}} {{#if Line4}}{{Line4}}
{{/if}} {{PostCode}}
{{/if}}

Policy documents

We will email your policy documents. If you would like your documents by post, please untick the box below.

Need some extra support?

If you have a specific accessibility requirement, such as needing large print, audio or braille versions of your policy documents, you can request these below.

Your Payment

{{#foreach SortedPolicies}}
{{/foreach}}
{{#if PaymentFrequency() == 'Monthly'}}
12 x monthly payments of

£{{TotalMonthlyPremium | decimal}}

includes {{getQuoteIpt()}}% insurance premium tax

Switch to 1 x annual payment of £{{TotalAnnualPremium | decimal}}

{{/if}} {{#if PaymentFrequency() == 'Annually'}}
1 x annual payment of

£{{TotalAnnualPremium | decimal}}

includes {{getQuoteIpt()}}% insurance premium tax

Switch to 12 x monthly payments of £{{TotalMonthlyPremium | decimal}}

{{/if}}
Maestro logo Visa logo Other Visa logo
{{#if PaymentFrequency() == 'Monthly'}}

First Payment

We will not collect a payment today as we need to set up your Direct Debit before we collect the first payment. Please refer to your policy documents for confirmation of your first payment date, as it may result in two payments being collected in the same month.

Direct Debit Guarantee

Please pay Animal Friends Insurance Services Ltd Direct Debits from the account detailed in this instruction subject to the safeguards assured by the Direct Debit Guarantee. I understand that this instruction may remain with Animal Friends Insurance Services Ltd and if so, details will be passed electronically to my Bank/Building Society.

{{/if}}

Cancellation Rights

Cancelling within 14 days
We’ll give a full refund if you cancel this policy within 14 days of the start date. We won’t be able to do this if we’ve paid any claims for something that took place in this period.

Cancelling after 14 days
{{#if PaymentFrequency() == 'Monthly'}} You can cancel your policy at any time. If we’ve paid claims for something that happened this policy year, and you pay premiums monthly, you must pay the remaining premiums for the rest of the policy year. {{/if}} {{#if PaymentFrequency() == 'Annually'}} You may cancel this policy at any time. If you cancel after 14 days, we will refund you for any full months remaining, unless we’ve paid a claim in the current policy year. If we’ve paid a claim in this policy year, no refund will be given. {{/if}}

How can we keep you updated?

We’d like to share pet advice, veterinary support from Joii Pet Care, our charity updates, news and promotions connected to pet health.

Select all that apply:

{{#if PaymentFrequency() == 'Monthly'}} {{/if}}

Review your policy details

£{{MonthlyPremium | decimal}}/month
£{{AnnualPremium | decimal}}/annual
{{Name}}
{{(PolicyType() == 'rider' ? CoverLevel() + ' Rider' : CoverLevel())}}
{{#if PolicyType() != 'rider'}}
{{AgeInYearsAndMonths}}
{{Breed}}
{{#if PolicyType() != 'horse'}}
{{CoverLevel() ? '£' + Excess() : ''}}
{{/if}} {{/if}}
{{InceptionDt}}
My details
{{FullName}}
{{EmailAddress}}
{{#if Line1}}{{Line1}}
{{/if}} {{#if Line2}}{{Line2}}
{{/if}} {{#if Line3}}{{Line3}}
{{/if}} {{#if Line4}}{{Line4}}
{{/if}} {{PostCode}}

Policy documents

We will email your policy documents. If you would like your documents by post, please untick the box below.

Need some extra support?

If you have a specific accessibility requirement, such as needing large print, audio or braille versions of your policy documents, you can request these below.

{{#if hasRiderPolicy()}}
Please note:

All premiums include standard rate insurance premium tax at {{getQuoteIpt()}}%.

Depending on the policy you have selected there may be a waiting period in regards to accidents and illnesses. For more information, please refer to your Policy Schedule.

{{/if}}