In Germany, unlike for dogs, horse owners are not legally required to have insurance. However, under § 833 BGB, owners are strictly liable for all damages caused by their horse—even without personal fault. Horse liability insurance protects your client against claims for personal injury or property damage, such as damage to a borrowed horse trailer.

Yes.

In principle, any horse can be insured under the PHÖNIX plans, provided the animals are kept exclusively for private purposes. Owners with multiple animals receive significant discounts for additional horses.

For ponies and so-called retired horses, we offer separate, more affordable plans.

Personal, property, and financial damages are covered up to €50 million under the THV Premium plan and up to €30 million under the THV Exklusiv plan.

PHÖNIX offers your clients top-tier insurance protection against major risks associated with private animal ownership. In cooperation with INTER Versicherung (Mannheim), we developed an ‘all-inclusive’ coverage plan that includes all services—because it’s impossible to foresee what damage an insured animal might cause. This provides optimal, personalized protection for your clients’ needs.

Riding partners, guest riders, and external riders are automatically included in the coverage—no individual listing required.

In the event the insured animal dies due to a wolf attack or a horse flayer attack, PHÖNIX THV Premium provides coverage up to €5,000.

Riding bareback or with unusual and/or bitless bridles is fully insured under our coverage.

With the Premium Plan’s Difference Coverage, if your client transfers from an existing policy with another insurer, our enhanced benefits apply immediately and free of charge until the previous policy expires. Premium payments start only after the old policy ends.

Performance Protection in the Premium Plan means that if another German insurer offers better coverage in a claim, we will pay out according to their conditions. This ensures your clients always get the best possible protection.

The contract is valid for one year and may be cancelled by you or your client at any time, effective from the next main renewal date. If the insured animal dies, the contract can be terminated immediately, and any remaining premium will be refunded to your client.

Why Choose a Deductible? Reliable support for major, financially threatening claims is our top priority. Paying a minor claim of €150 out of pocket is manageable, and in exchange, your clients enjoy lower premiums. Bonus: after five claim-free years, the deductible is completely waived.