Free Horse Sharer Agreement Template (UK, 2026)

Sharer vs full loan

A sharer agreement (sometimes called a part loan) is lighter than a full loan. The horse stays at the owner's yard; the sharer rides on agreed days and pays an agreed share of costs. It's the most popular way for UK riders with a job to get regular saddle time without full-time responsibility.

Because the horse doesn't move and the sharer isn't the primary carer, sharer agreements are shorter than full-loan contracts — but you still want the essentials in writing: which days, how much, who pays if the horse is off work, and how much notice.

How to use this template

Agree the weekly rhythm on paper — vague "we'll work it out" arrangements are where sharer relationships break down.
Include a trial period (2–4 weeks) so either side can walk away cleanly if it isn't a fit.
Both parties sign, date and keep a copy.

HORSE SHARER AGREEMENT This Agreement is made on [DATE] between: OWNER: [FULL NAME], of [ADDRESS] Contact: [PHONE / EMAIL] SHARER: [FULL NAME], of [ADDRESS] Contact: [PHONE / EMAIL] 1. THE HORSE Name: [HORSE NAME] Breed / type: [BREED] Colour: [COLOUR] Height: [HH] Age: [AGE] Passport no: [PASSPORT NO] Microchip: [MICROCHIP NO] Kept at: [YARD NAME & ADDRESS] 2. RIDING DAYS The Sharer shall have use of the horse on: [e.g. every Tuesday and Thursday evening, and alternate Sundays]. Where a session cannot go ahead due to weather, illness or lameness, the parties shall agree a replacement day where reasonably possible. There is no automatic right to a refund for a missed session. 3. TRIAL PERIOD The first [FOUR] weeks are a trial. Either party may end this Agreement during the trial with [SEVEN] days' notice. 4. WEEKLY / MONTHLY PAYMENT The Sharer shall pay the Owner £[AMOUNT] per [WEEK / MONTH] in advance, by [BANK TRANSFER / CASH]. This covers the Sharer's agreed share of livery, feed, bedding, routine farriery, worming, dentist and vaccinations. 5. WHAT'S INCLUDED IN A SESSION On each riding day the Sharer shall be responsible for: - Bringing the horse in, grooming, tacking up and riding - Cooling the horse down and turning out - Mucking out / skipping out where agreed with the yard - Reporting any injury, lameness or unusual behaviour to the Owner 6. USE OF THE HORSE The Sharer may: [e.g. hack in company, school in the arena, pop small fences up to 70cm, attend lessons with a named instructor]. The Sharer may NOT, without the Owner's written consent: [e.g. jump above 70cm, hunt, take the horse to a competition, loan on to a third party, allow anyone else to ride]. 7. INSURANCE The Owner shall keep the horse insured for public liability of at least £[1,000,000]. The Sharer shall hold their own personal rider public liability insurance (e.g. BHS Gold membership or equivalent) throughout this Agreement and provide proof on request. 8. VET AND INJURY All veterinary decisions and costs are the Owner's. The Sharer shall not authorise or pay for veterinary treatment. 9. IF THE HORSE IS OFF WORK If the horse is unable to be ridden for more than [TWO] consecutive weeks, payment shall be [SUSPENDED / REDUCED TO £X] from the third week until the horse returns to work. 10. NOTICE After the trial period either party may end this Agreement by giving [TWO] weeks' written notice. The Owner may end the Agreement immediately if the horse's welfare or safety is at risk or if payment is more than [SEVEN] days overdue. 11. GOVERNING LAW This Agreement is governed by the law of [ENGLAND AND WALES / SCOTLAND / NORTHERN IRELAND]. SIGNED Owner: ______________________________ Date: ____________ Sharer: ______________________________ Date: ____________

Sharer vs full loan

How to use this template

The template