Harness Racing Travel Insurance

Specialist cover for high-risk sports and adventure travel.

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500+ Activites Covered

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24/7 Emergency medical assistance

Cover for specialist sports equipment

Up to £2500 for lost or stolen luggage

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1 million+ Travellers protected

28 years Industry experience

Harness racing is an equestrian sport where horses pull lightweight two-wheeled carts known as sulkies, with drivers guiding the horse from a seated position. The sport requires skill, control and coordination, and when taking part abroad it is done on an amateur basis through organised training sessions or non-professional race events.

ActivitySure travel insurance can cover amateur harness racing overseas, provided participation meets the policy conditions. Although races take place on managed tracks, the speed of the horses and close proximity to other competitors mean there is still a risk of falls or collisions, making appropriate travel insurance an important part of your planning.

Choose the protection that fits your adventure

Bronze Essential Protection *

Excess £100


  • £1,000

  • £5,000,000

    • £20 per 24hrs, max. £500

    • £250

    • £5,000

    • £500

  • £750

    • £250

    • £200

    • £250

  • £250

  • £200

  • £300

    • £150

  • £20 per 12hrs, max. £100

    • £1,000

  • £5,000

    • £5,000

    • £5,000

  • £2,000,000

  • £250

  • £750

  • £60,000

Silver Balanced Protection *

Excess £75


  • £3,000

  • £10,000,000

    • £30 per 24hrs, max. £1,000

    • £250

    • £5,000

    • £500

  • £1,500

    • £500

    • £300

    • £500

  • £250

  • £200

  • £500

    • £250

  • £20 per 12hrs, max. £200

    • £3,000

  • £7,500

    • £7,500

    • £5,000

  • £2,000,000

  • £250

  • £750

  • £60,000

Gold Maximum Protection *

Excess £0


  • £5,000

  • £10,000,000

    • £50 per 24hrs, max. £1,500

    • £400

    • £5,000

    • £500

  • £2,500

    • £750

    • £500

    • £750

  • £250

  • £400

  • £1000

    • £500

  • £20 per 12hrs, max. £400

    • £5,000

  • £15,000

    • £15,000

    • £5,000

  • £2,000,000

  • £250

  • £750

  • £100,000

* Protection levels are based on overall cover limits, benefits and excess across each plan.


Choose the cover that fits your adventure

Single trip Harness Racing Travel Insurance

Perfect for one-off adventures, holidays and activity breaks abroad.

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Annual multi-trip Harness Racing Travel Insurance

Travel more for less with year-round protection across multiple trips.

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Whether you’re planning a one-off escape, an activity-packed holiday or travelling regularly throughout the year, our protection levels are designed to give you confidence at every stage of your journey. From emergency medical cover and cancellation protection to support while you’re away, you can choose the level of cover that best fits the way you travel and the adventures you take on.

Destination Insight

Where is popular to travel for harness racing?

Harness racing has a strong presence in Scandinavia, particularly in Sweden, where the sport is widely followed and supported by well-established racing venues. Tracks such as Solvalla attract international visitors taking part in organised amateur events.

The sport is also popular in countries such as Australia, New Zealand and across North America, where dedicated raceways and training facilities operate year round. Travellers often take part through clubs, training camps or scheduled amateur meetings.

Here's why harness racing insurance matters:

Harness racing involves speed, powerful animals and close competition, which increases the risk of falls and impact injuries. If an accident occurs overseas, medical treatment and recovery costs can be significant, and your travel plans may need to change. Travel insurance helps provide financial protection if you need medical care or assistance.

Helpful travel tips

  • Wear appropriate safety equipment, including approved headgear and gloves, as required by organisers.
  • Always follow organiser instructions and official racing rules during training and events.
  • Maintain full control of the horse at all times, particularly during starts and finishes.Keep a safe distance from other sulkies to reduce the risk of collisions. 
  • Avoid racing if conditions are unsuitable or visibility is poor.
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