How Bridle began
The scars first,
the policy second.
Scroll through the origin story — and the cover it inspired.
Specialist equine underwriter · Est. 2020
Because they can't fill out a claim form.
Horse insurance written by someone who's sat in a stable at 3 a.m. waiting for a vet — and found out their policy had a limit they'd never noticed.
1,847 horses currently covered
No colic sub-limits·
Claims paid in 5 days·
Real person at 2 a.m.·
Competition cover·
Foaling season cover·
Transit liability included·
4.9 / 5 on Trustpilot·
Built by horse people·
No colic sub-limits·
Claims paid in 5 days·
Real person at 2 a.m.·
Competition cover·
Foaling season cover·
Transit liability included·
4.9 / 5 on Trustpilot·
Built by horse people·
The scars first,
Wicklow, Ireland — 2019
"The vet arrived at 2:47 a.m. Conker had been colicking for three hours. The surgery bill was £8,400. My policy had a £6,000 colic limit I'd never noticed. I paid the rest on a credit card I'm still clearing."
Siobhán Murphy
Founder, Bridle
No sub-limits
Colic Surgery Cover
Up to £15,000 per colic episode. No sub-limits buried in the small print. If the vet says operate, we say yes — same night.
£15kper episode · no excess on emergency call-out
The first policy — Kitchen table, February 2020
"Written by hand. Witnessed by my mare, Duchess, who stuck her head through the window and knocked over my tea. The first client was my neighbour, who'd heard what happened to Conker."
Policy #000001
By the numbers
94%
of claims paid within 5 working days
£2.4M
paid in claims since 2020
1,847
horses currently covered
Competition horses
Loss of Use
If a tendon injury ends your eventer's competitive career, you shouldn't lose the horse's value too. We pay up to 75% of sum insured when a horse can no longer perform its insured purpose.
Covers tendon, ligament, and neurological causes
3:12 a.m. — August 2020
First emergency call answered
"A mare in Shropshire. Suspected grass sickness. The owner had been trying to reach her insurer for forty minutes. She called us on a whim. I was awake. We authorised the vet within eight minutes."
"Badminton qualifier, Novice section. Rory pulled a suspensory three weeks before. Bridle had the loss-of-use claim assessed and paid in four days. Four days. Not four months."
Fiona Cartwright
Eventer · Gloucestershire
Trailering
Transit Liability
From your yard gate to the collecting ring and back. Third-party liability, trailer accident cover, and emergency vet costs during transit — whether you're heading to Chatsworth or Cheltenham.
£2M liability
included on all policies at no extra cost
Ready to talk about cover for yours?
15 minutes on the phone. We ask about your horse, you ask about our cover. No pressure, no jargon.
"We paid more for Peppa than for the family car. Bridle was the only insurer who didn't make me feel embarrassed about that."
Rachel Okonkwo · Pony Club parent · Cheshire
Stud farms
Foaling Season Cover
Maiden mares, covering fees, and the mare-and-foal pair through the first 30 days. We understand that a lost foaling is both a heartbreak and a business loss — our policy covers both.
Mare mortality during foaling
Covering fee reimbursement
Foal mortality (30-day)
Emergency vet — no pre-auth required
The first claim paid — 4 days
"She called to say thank you. I told her that was the whole point."
Same-week payment
"We cover twelve mares through foaling season. The previous insurer required 48-hour pre-authorisation for emergency vet calls. Bridle's authorisation is immediate. That matters when a mare is in trouble at midnight."
Declan Faherty
Stud Manager · Co. Kildare
"Not sure what cover you need? That's exactly what the chat is for."
— Siobhán, available Mon–Sat 8 a.m. to 8 p.m.
Instant Estimate
What might cover cost?
Enter your horse's value and how they're used — we'll show a ballpark premium before you speak to anyone.
Claims paid in 5 working days
When something goes wrong,
we pick up the phone.
No automated systems. No 72-hour response windows. A real underwriter who knows the difference between a tendon and a ligament.
94%
Claims paid within 5 days
£2.4M
Paid in claims since 2020
8 min
Average emergency authorisation