Join through this page, and Harry Hall donates £16 to Equiss
For every membership signed up through this page, on top of your own cover, at no extra cost to you.
*To count as a successful Equiss referral, membership must be started using the link on this page and a Gold or Platinum level membership taken.
Owning a horse comes with real exposure.You've probably thought about the “what-ifs”:
If my horse got loose and caused an accident, would I actually be covered?
He's on loan, not mine outright. If something happens, whose insurance actually covers it?
I'm always thinking about my horse — but am I protected?
One Club is built to cover exactly this.
Harry Hall One Club is the membership designed to make horse ownership more affordable for horse owners and riders. It gives you insurance, legal support and extra money-saving member perks for a lifetime outdoors.
What's the deal?
To buy any insurance policy with us, you need to become a One Club member — which is as little as £5.75 per month.
What you get in your membership:
- £10M Public Liability Cover**
- £10K Personal Accident Cover**
- £50K Equine Legal Expenses Cover**
- General Legal Helpline
- 70+ legal documents
- Will writing
- 24/7 counselling helpline
- Exclusive community offers
- Prize draws
- Welcome, renewal and referral vouchers
- Exclusive member offers at harryhall.com
- Add additional vet fee, transport or breakdown cover**
**Cover excludes any profession, occupation, or business activity of you or your family. The insurer will not pay any claim arising from a use or activity other than those specified under the definition of 'Use,' or from any trade, business, profession, or use for hire or reward.
EQUISS exists to make safeguarding the norm. That includes looking after yourself.
Part of safeguarding is making sure the people doing the caring are properly protected. Harry Hall have looked after equestrians since 1891, and their One Club membership is the partner we trust to do that well. For less than a few pounds per month, for the peace of mind you can't put a price on.
Six reasons why equestrians join One Club.
Rated excellent
95% recommend Harry Hall on Reviews.io.
Genuinely good value
93% say it's "good value for money".***
Members stay for years
87% stay with us for years.***
Built for multiple horses
All options are multi-horse as standard.
Fast claims
99% of valid claims paid within 14 days.***
Award finalist
Finalist, Broker of the Year 2026, Insurance Broker Awards.
***Based on internal data, calculated using member data and statistics in 2025.
Built around how people actually keep horses.
Cover that is annually renewable for the lifetime of your horse, so the policy you took out for your youngster is the same one looking after your veteran.
LIFETIME
Cover that renews each year.
Annually renewable for the lifetime of your horse.
MULTI-HORSE
More than one horse, one policy
Cover multiple horses on one policy, rather than a separate policy for each.
VETERANS
No favourites, whatever their age
Older horses are the ones often left uninsured, usually on the assumption they would be refused. We believe all horses, regardless of age, matter.
Built around how people actually keep horses.
Cover that is annually renewable for the lifetime of your horse, so the policy you took out for your youngster is the same one looking after your veteran.
From 30 days
Foal
Cover starts from 30 days old. All legs and no judgement.
Rising 4 to 7
Youngster
Backing, first outings, and a great deal more enthusiasm than sense.
8 to 15
Working years
Competing, hacking, travelling. The busiest years, and the knocks that come with them.
16 and older
Veteran
Still turned out, and a gateway kick doesn't care how old they are. The stage most owners are told to give up.
The best day to sort cover is the one where nothing has happened.
You can't do much about what happens in the field or outside the yard. You can decide, in advance and calmly, that if it does happen you will be covered. It takes about five minutes and starts from £5.75 per month, for the peace of mind you can't put a price on.
Frequently asked questions
What does Harry Hall horse insurance cover?
How much is horse insurance?
Can I get horse insurance without vetting?
Can I insure multiple horses under one policy?
Are there age limits for horse insurance?
Will my premiums increase if I make a claim?
Harry Hall International Limited is authorised and regulated by the Financial Conduct Authority (FCA) Firm reference number 968047. Underwritten by Equario Insurance (Guernsey) Limited. Terms, conditions, and territorial limits apply. Insurance cover limited to United Kingdom residents only. Excludes Channel Islands. Bone fracture cover included on Enhanced memberships only. Upper age restrictions may apply.
*To count as a successful Equiss referral, membership must be started using the link on this page and a Gold or Platinum level membership taken.
**Cover excludes any profession, occupation, or business activity of you or your family. The insurer will not pay any claim arising from a use or activity other than those specified under the definition of 'Use,' or from any trade, business, profession, or use for hire or reward.
***99% of valid claims paid within 14 days of receipt of all the relevant information. Based upon internal data. Visit harryhallinsurance.com/one-club/terms-conditions for full terms.Prices correct at time of print August 2026.
.png)
