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JCL Personal Accident Insurance: Protect Yourself Against the Unexpected.

At JCL Insurance, we understand that life and horses can be unpredictable. Personal accident insurance offers peace of mind by providing financial protection in the event of an unexpected injury. Whether you’re schooling a client’s horses, competing your own, or simply going about your daily routine, our comprehensive coverage ensures you’re prepared for life’s unforeseen events.

What Does Personal Accident Insurance Cover?

At JCL, we tailor our insurance packages to the individual needs of your business. We analyse the specific requirements you have and the risks your business faces, and curate a policy that protects you and your business should the worst happen.

Personal Accident policies can cover:

  • Accidental Death – Covers a sudden, unexpected event which results in death. 
  • Loss of Sight/Hearing
  • Loss of Limb – Financial benefit as a result of permanent loss by physical separation of a limb.
  • Temporary Total Disablement – Cover if you have disablement which temporarily and totally prevents you from attending a substantial part of your usual business duties or occupation. 
  • Permanent Total Disablement
  • Dental Expenses – Cover for dental expenses incurred following bodily injury. 
  • Illness Cover – If you suffer an illness that is the sole cause of your disablement, you will receive a financial benefit.

What Insurance do Horse Riders Need?

If you are around horses, whether you are a groom, rider or instructor, we highly recommend having Personal Accident Insurance to protect you should you have an unexpected accident.

Whilst it is really important to protect yourself, it is also paramount to have the correct insurance in place if you are a freelance groom or rider. Cover such as Public Liability and Care, Custody and Control can protect you if you are found negligent. Click here for more information on Horse Rider Insurance.

Why Choose Us?

  • We have over 40 years of experience and a deep understanding of insurance for horse riders
  • As a member of the award-winning Bravo Network, we have wide access to the insurance market, so you can be assured that we will find you the right personal accident insurance
  • Rest assured that your policy is in the hands of our specialist team who will assist with any claims or changes to your policy
  • As well as providing professional advice, we believe strongly in adding a personal touch. This is why we make ourselves available whenever you need us.

How To Claim on your Policy?

To make a claim, please contact the office by phone or email. Our Claims Manager will take the relevant details and be able to talk you through the process. The insurers will be notified, and you will be updated on the claim throughout.

woman riding horse

Personal Accident Insurance FAQs

Why Do I Need Personal Accident Insurance?

While it’s not a legal requirement, personal accident insurance is highly recommended. It provides financial support in the event of a severe accident, helping you cover medical expenses, loss of income, and other costs that can arise from unexpected injuries.

What Does Personal Accident Insurance Cover?

Our policies typically cover accidental death, permanent injuries (such as loss of limbs or sight), and other serious injuries. Coverage can vary, so it’s important to review your policy details or speak with our team to understand the specific benefits. 

Do horse riders need insurance?

It is not a legal requirement to have horse rider insurance in the UK, but it is recommended. Although no one plans to have an accident, it is not a guarantee that you will not, and not having insurance in the event of one could cost you thousands.

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Our Commitment

To ensure we continue to offer all of our clients the best possible service, we make the following commitments:


To listen and work in partnership with you.


To focus on your needs at all times.


To provide prompt and accurate responses to requests and enquiries.


To provide strong and professional advice at all times.


To provide intelligent and competitive solutions.


To ensure documentation is produced promptly.


To provide continuous appraisal of your risks.


To be pro-active in advice given.

JCL Insurance Brokers look after all of my insurances and have for a number of years. They are fast, professional and always at the other end of the phone

Oliver Townend

FEI World Number 1