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Income Protection Cover for Equestrians and Horse Riders

Get income protection cover even if you have been declined by high street insurers and set your mind at rest.

  • Peace of Mind

  • Build a policy based on YOUR needs

  • Choice from 100+ UK Insurers

  • Personal One to One service

If you ride horses regularly – whether you’re a competitive rider, eventer, show jumper, dressage rider, jockey, or dedicated leisure rider – you’ll know how quickly insurers label your passion as “high risk”.

It doesn’t matter if you’re experienced, careful, or riding with proper equipment.
Many insurers simply hear “horse riding” or “equestrian sports” and decline the application on the spot.

And those rejections can feel deeply worrying. Because you know better than anyone how unpredictable horses can be. One fall or injury could stop you riding — and stop you working — overnight.

Without proper cover, your income, your home and your family could suddenly be at risk.

But here’s the real issue.

Most insurers rely on automated systems designed to avoid risk at all costs. They don’t ask how you ride, what level you compete at, or your safety measures. They don’t look at your experience, your track record, or how steady your income is. They simply see “equestrian = danger”, and you get punished for doing what you love.

And if you earn through a mix of PAYE work, self-employment, sponsorships, or competition earnings, the process becomes even messier. Many underwriters simply don’t understand how equestrian income works — so they decline to stay on the “safe” side.

That’s where we come in

At Zeo Protect, we have access to policies from over 100 UK insurers – including specialist providers who understand horse riding and equestrian sports. We know how to tailor a policy around your sport, training, earnings and risk profile so it actually protects you and yours.

We present your case rather than rely on rigid computer systems which may have already said no. That means your case is looked at by someone who actually understands equestrian risks sensibly rather than fearfully.

Because we’re a whole-of-market, mortgage and protection broker, we have access to a wide range of specialist providers who are happy to accept all different kinds of applications. From your first call to getting the right cover in place, you’ll get personal, one-to-one service. We’ll make the process as clear and efficient as possible.

With the right cover in place, you can train, compete and perform with confidence — knowing that if injury or illness sidelines you, your income, your home, and your family are protected.

Fill in our quick enquiry form and your specialist adviser will call you for a chat to find out about your needs, your income structure and your goals and then show you the best policies available to you.

Start My Protection Search
Or call us now on 01606 531 556

Why choose us?

Because we specialise in income protection for sports and hobbies, we can offer you all sorts of benefits you won’t find elsewhere

Income Protection For Horse Riders

  • Whole of Market

    Because we know the market, we know who to approach and what providers will accept your equestrian sport whether that be competitive or leisure, eventing or hacking. Even if mainstream providers have already said no.

  • Know and Understand You

    We build a policy based on your needs and wants, based on the exact type of riding you do, not a standard plan with confusing exclusions.

  • Source The Right Cover for You

    Because we can compare options across the entire market we can source cover at a lower, fairer rate.

  • Save You Time and Stress

    We know you don’t want to tell your story over and over again to a call centre. That’s why you have one point of contact, we deal with everything from research to conversations with underwriters and seeing your application through to acceptance.

How it works…

  • 1

    Get in Touch

    Complete our quick enquiry form and book a time for your first appointment call. Your adviser will call you and find out about your unique situation and what you want to achieve.

  • 2

    We find the right provider for you

    After your initial call we do the research from 1000’s deals to find the best policies for you. Your adviser will then talk you through the protection and everything that it entails.

  • 3

    We deal with the application

    Relax while we submit the application and documentation to the provider, keeping you updated every step of the way.

  • 4

    …your protection is offered!

    With the right Income Protection plan in place, you can enjoy your sport with confidence – knowing your income, your home, and your family are protected, whatever happens.