Horse Rider Protection

From only £8 p/m


  • Accident, sickness, hospitalisation & death covered in one
  • Immediate 24/7 worldwide cover
  • £750-£3,750 per broken bone
  • £50-£250 per day hospitalisation benefit for accident & sickness
  • £50,000-£250,000 for disablement, bodily injury & accidental death
  • £1,000-£10,000 towards funeral costs
  • Eventing and competing in competitions covered
  • Optional childrens cover available from £1 p/m

Click Here For Key Facts

UK Horse Riding Statistics

Horse riding carries a significantly higher injury rate than motorcycle riding. On average, motorcyclists suffer an injury once every 7000 hours of riding. By contrast, an equestrian may have a serious accident once every 350 hours. *

Injuries commonly occur in the upper extremities, the wrist, elbow, and shoulder are easy targets for being pinned or caught or flung around causing an injury.*

Children are particularly susceptible to injury*

Statutory Sick Pay is only £89.35 per week and Earning and Support Allowance is only £73.10 per week

*Stats Provided by The Medical Equestrian Association

Underwritten by MetLife

Our policies are underwritten by MetLife who are one of the world's largest and most financially secure insurers. They have more assets than Legal & General, Aviva, Standard Life and Zurich. MetLife have been around for over 140 years and they were the first insurer to pay a life claim when the titanic went down in 1912! They have 100 million customers worldwide in 50 different countries.

No health questions to answer

Its quick and easy to get covered, we do not ask any health questions and do not require you to take any medical examinations. We cover everyone between 18-59 years old regardless of health, cover ceases at age 70. Our monthly premiums are affordable, they range from £8 - £40 per month and are fixed for life even if you make more than one claim.


Instantly online cover

It only takes 2 minutes to get covered online, as soon as your policy has been purchased your covered from day one. Simply fill in your basic contact and personal details, pick the number of units you want to be covered for (1 to 5), enter your direct debit details and get covered right away. Its as simple as that!

Quick and simple claims process

Most claims are settled successfully in a matter of days, payments are made by bank transfer as a TAX FREE lump sum. We do not require proof of earnings or access to your medical records before making a claim, you can make multiple claims during the life of your policy. Metlife paid 6,600 claims worth £5.75M in 2016

Client Testimonial

Im really impressed with how quick and easy it was to get covered by Trade Shield, the whole process only took 5 minutes to get covered online, I like the fact their policies are underwritten by MetLife who are one of the world's largest insurance companies. I would recommended Trade Shiled for their quick, easy and efficient service, I have already referred some of my friends to them.Mr A Bridges - Dartford

Client Testimonial

Our whole family are horse mad, we are never away from the stables, the kids especially love the whole lifestyle and competing in competitions. The threat of injury to me or the kids is never far away so I though Trade Shields policy was ideal as it covers me and the kids on the one policy which means if anyone gets injured I can afford to take time off work. Mrs K Clark - Norwich

Case Study 1

Miss H is 26 years old, a MetLife policyholder with 4 units of cover

Miss H is an equestrian head girl and had attended a work trial at a potential new employer. While riding one of the horses she was thrown off, her foot was caught in the stirrup iron and she was dragged along through a field.

She sustained a lacerated liver and spleen, 4 fractured ribs and a fractured thumb along with 8 x 24hr periods of hospitalisation. Sadly, due to the injury to her spleen she required an emergency total splenectomy (removal of spleen)

MetLife paid her £46,300 within 6 working days, claim made on 16/07/2017

Case Study 2

Mrs W is 44 years old, a MetLife policyholder with 5 units of cover

Miss W was loading a horse into a trailer. When the ramps were closed, the horse was spooked and jumped forward. The horse landed on Miss W, fracturing her fibula (ankle). The accident happened just 16 days after she took out the policy.

“The claims process was extremely straightforward. MetLife sent the paperwork and I completed most of it with the surgeon completing one page. The £2,500 was paid out with no questions or further documentation required.

MetLife paid her £2,500 within 5 working days, claim made on 13/08/2017

Trade Shield is a trading style of Protect & Effect Ltd who are authorised and regulated by the Financial Conduct Authority, we can be found on the FCA register under number 587812

Registered in Scotland No SC431217. Data protection licence number Z3558865. Registered Office: 272 Bath Street, Glasgow, G2 4JR

Key Facts

Contact Us
We would love to hear from you, whether you are enquiring about our services, a career, or a business partnership.

Tel: 0141 391 5867