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Equestrian insurance

With years of experience and a passion for the industry, our bloodstock specialists know what to do when it comes to insuring your horse. As well as arranging the right cover for your horse, they offer ongoing advice and support for your bloodstock insurance needs.

For those with a number of horses, talk to us about a competitive package.

Our equestrian insurance packages can be used to cover show jumpers, dressage horses, hacking and eventers, pony club horses and pleasure riding mounts. Hunting and endurance racing packages also available.

What equestrian insurance covers

We have cover available for horses aged from 30 days up to and including 13 years of age. Specialised cover can also be arranged for horses over 14 years of age on application.


Basic mortality cover

  • Risks of mortality cover includes death or destruction on humane grounds due to accident, sickness or disease.
  • Limited cover for theft as per policy wording.
  • Cover for all transits within NZ and Australia, and transits between these countries.

Foal insurance

Foals can be insured from 24 hours of age with an acceptable vet certificate and IgG.

Foetus insurance

Foetus cover can be placed from 42 days after last date of service with acceptable proposal and vet / pregnancy certificate acceptable to the underwriters. This policy also includes cover for embryo transfers. Talk to us about your specific cover requirements.


Extensions available on application

  • Agreed value 
  • Automatic additions and deletions
  • Colic surgery endorsement
  • 12-month extension clause
  • Major medical endorsement
  • Diagnostic cover
  • Accidental lost of use
  • Permanent loss of use
  • Stallion permanent disability
  • Transit worldwide
  • Saddlery and tack
  • Care, custody and control

Working together to protect what matters

Our bloodstock insurance brokers work with you to find the right insurance solution for your needs. 



Insurance proposal forms

Completed proposal forms can be returned by email to bloodstock@ajg.co.nz or by post to PO Box 1395, Waikato Mail Centre, Hamilton 3204, New Zealand. 

Vet certificates

  • Vet certificates required for any horse valued at $100,000 and over.
  • Vet certificate for stallions must make specific reference to the genitalia (if stallion has Permanent Disability Extension). 

Claim forms

Completed claim forms can be returned by email to bloodstock@ajg.co.nz or by post to PO Box 1395, Waikato Mail Centre, Hamilton 3204, New Zealand. 

Complaints process

If you have a complaint, please let us know by contacting your broker. We will refer your complaint to the New Zealand Lloyd’s General Representative who will investigate further and aim to resolve your concerns.

If Lloyd’s cannot resolve your complaint, you can access the Insurance & Financial Services Ombudsman (IFSO) scheme. The IFSO scheme resolves complaints about insurance and is free, independent and entirely confidential.