Personal Accident Plan

What would happen if you suffered a serious injury? It’s likely you’ll need to take some time off work to recover, which could hit your earnings. The Personal Accident Plan pays out a lump sum benefit if you suffer a specified injury, which means you can concentrate on getting better without having to worry about money.
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What is the Personal Accident Plan?

Designed for families and hobby riders, our flagship plan gives you wide-ranging protection from serious injury in or out of the saddle.

The Premier level plan offers 21 different fracture benefits paying up to €3,000, and you can also choose an enhanced Premier Plus option to cover a further 18 serious accident benefits.

All in all, the plan gives you and your family comprehensive protection from accidental injury and with three levels of cover available within each plan, there’s sure to be an affordable option to suit every pocket.

Personal Accident Plan guide cover

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Select on the button below to get a quote and apply for the plan. It only takes a couple of minutes to apply, so why leave things to chance? Get peace of mind now and take out cover today.

Plan highlights


Family cover: choose to protect yourself, your partner and your children


Fracture benefits and cash lump sums from serious injuries


Premier Plan: 21 fracture benefits plus three additional cash benefits


Maximum benefits: €100,000 under the Premier Plus Plan


Premier Plus Plan: All the benefits from the Premier Plan and a further 18 accidental injury benefits

What's included?

The Personal Accident Plan is available as Premier and Premier Plus options, and within each option there are 3 levels of cover – Bronze, Silver and Gold. Below we outline the benefits of both plans:

Includes 21 fracture benefits plus three additional cash benefits – and children covered under the plan are entitled to 50% of all benefits illustrated.

Lower jaw€750€1,125€1,500
Breast bone€750€1,125€1,500
Shoulder blade€750€1,125€1,500
Upper arm€750€1,125€1,500
Vertabral (body)€1,500€2,250€3,000
Lower arm€750€1,125€1,500
Upper leg€1,500€2,250€3,000
Knee cap€750€1,125€1,500
Lower leg (fibula) €750€1,125€1,500
Lower leg (tibia) €750€1,125€1,500
Additional cash benefits
Anterior cruciate ligament injury€750€1,125€1,500
Burns and permanent scarring€5,000€7,500€10,000
Accidental death - adults€25,000€37,500€50,000
Accidental death - children€2,500€3,750€5,000
* Excludes fingers and toes

Includes all the benefits from the Premier Plan – plus a further 18 Serious Accident Benefits. Children can be covered too – see the Policy Document in the Literature Library for full details.

Permanent total disability€50,000€75,000€100,000
Loss of sight in both eyes€50,000€75,000€100,000
Loss of use of two limbs€50,000€75,000€100,000
Permanent brain damage€50,000€75,000€100,000
Loss of sight in one eye€25,000€37,500€50,000
Loss of use of one limb€25,000€37,500€50,000
Loss of speech€25,000€37,500€50,000
Loss of hearing in both ears€25,000€37,500€50,000
Loss of hearing in one ear€5,000€7,500€10,000
Loss of use of: a shoulder or elbow€10,000€15,000€20,000
Loss of use of: a wrist, thumb, hip, knee or ankle€7,500€11,250€15,000
Loss of use of: any finger or big toe€2,500€3,750€5,000
Loss of use of: any other toe€1,250€1,875€2,500
Daily Hospitalisation benefit*€50 per
€75 per
€100 per
Lump sum hospitalisation benefit following 14 days continuous hospitalisation€500€750€1,000
Accidental Death**€50,000€75,000€100,000
*Excluding the first 24 hours and up to maximum of 45 days in hospital
**This accidental death benefit replaces the accidental death benefit in the Premier Plan

I put in a claim in beginning of October and they sorted it out very quickly and I’m with them good few years never had any complaints thank you.

Jacqeline McHugh 
Jacqeline McHugh

Great service as always.


Friendly company, fast response, I am satisfied with the services and contact.


Extremally efficient company to deal with, totally satisfied with Lynsey who always answered any query I had with accurate information. Would not hesitate to recommend them.


Rob is very easy to deal with. Many people at the yard I have my horse has signed up to Hive Insurance. Great plains available for small monthly payments.


I recently purchased equine insurance from Hive Insurance after a recommendation from a riding centre. Rob was very professional, knowledgeable, helpful and assisted in myself and my children all having cover before the end of the day! There were three options of cover to choose from.

I couldn’t be happier with my experience and have been passing his details to my equestrian friends.

Highly recommend!


As an ISSA member, I had an accident and put in a claim with Hive here in Ireland and I have to say, the service was great and really helpful, but the best bit was my claim was dealt with and paid out within a week! Couldn’t recommend them enough.


“With all sports, the risk of injury is always present and equestrian sport is no different and in the case of our yard, where the risk ranges from 128cm ponies through to Grand Prix horses, covering Riders, Grooms and Yard Staff the danger seems ever present. Therefore, these day every risks combined with the issues surrounding Irish equestrian insurance; the launch of the Equine Safety Initiative could not be more perfectly timed in my opinion. Furthermore, after a visit, Rob McOwan expertly and efficiently introduced and implemented the roll out of the ESI to everyone involved within our yard without any disruption. Highly recommend everyone involved in horses gets behind and supports this initiative as we will all benefit from it in the short and long term”.

Melvyn Kennedy, Hughes Kennedy Show Jumping 
Melvyn Kennedy, Hughes Kennedy Show Jumping

“Having spoken with Rob at Hive, he was able to offer me a superb policy which gave me peace of mind to get back into the saddle once restrictions eased during the year. As an active member in the AIRC, I was delighted to recommend this initiative to all our club members as Hive’s customer service and expertise in the equine industry is second to none”.

Elaine Lynch, AIRC Member 
Elaine Lynch, AIRC Member

“I am proud to be working with Hive Insurance Services as I think their approach to Irish Equine Insurance is breath of fresh air and very much needed within our industry.”

“Their alliance with all of the various equestrian governing bodies and their introduction of the Equine Safety Initiative (ESI) is just one example and I strongly believe that if we all get behind, support and promote this important safety program; given time, the Irish equine insurance market could change for the better, with less small claims burdening our equestrian businesses premiums could stabilise, even drop… can you imagine that!”

Heike Holstein, Olympic Dressage Rider 
Heike Holstein, Olympic Dressage Rider

What's not included?

These are some of the key exclusions. Please refer to the Policy Document for a full list of exclusions.


War and terrorism


Riding a motorcycle, moped or scooter


Rock climbing or mountaineering


Flying except as a fare-paying passenger


Competing in any race other than on foot or whilst swimming


Illegal acts, use of explosives, suicide or self-inflicted injury


Being under the influence of alcohol or drugs


These frequently asked questions apply to both of our equine personal accident insurance plans.

Who can apply?
You must be over 18 and under 65 years of age. You also need to be a resident in the Republic of Ireland but are covered abroad (please see the Policy Document for full details).
What do we mean by a fracture?
“Fracture” means a breach in the continuity of the bone caused by an accident which is identified by an x-ray or in the case of a fracture which is unable to be x-rayed, by confirmation from a doctor.
Who underwrites the plan?
Maiden Life Försäkrings AB
Maiden Life underwrite our Personal Accident Plan. They provide insurance solutions throughout Europe, protecting thousands of people just like you against accidents and sickness.
How do I make a claim?

Simply call our claims handler, Davies Ireland, on 01 623 8471 for a claim form and for information on your claim.

Contact us

Your dedicated adviser is Rob McOwan, who is on hand to help you with any queries about this, or any other, insurance products and services. Rob spends every spare moment with his family at events across Ireland so is always available to help. And you can also contact him on 086 8961223 or