She was a young riders, which included victory in the Under 25 Championship at Bramham and an individual silver medal in the European Young Riders Championship in 2002, the daughter of Princess Anne and Captain Mark Phillips really established herself at senior level in 2003 by finishing second at Burghley, three day event with Toytown. A polished display in the dressage arena and a fast clear cross country round gave her the lead going in to the show jumping and although one fence down dropped her to second behind the Rolex Grand Slam champion Pippa Funnell, it was still a remarkable display from the then 22 year old in her first attempt at four-star level. In June 2005, Following the withdrawal of Primmore's Pride, Zara has replaced Pippa Funnell on the British team for Blenheim. Showing composure beyond her years, Zara rode into the history by taking two gold medals on her senior debut, exceeding achievement of her mother, who won the individual title at the European Championships in 1971.
2006 brought the prospect of the World Equestrian Games in Germany, Zara's first four star Championship. Some disappointing show jumping performances in the spring left her confidence dented but a talk with her mentor and fellow competitor Pippa Funnell brought a welcome boost. A good start in the dressage left Zara and Toytown in fifth position and the British team in bronze. The cross-country test was a true Championship track and caused problems for many but the combination showed what a special partnership they have with a clear inside the time to promote them to top spot and the team to silver. The final show jumping phase produced a heart stopping moment when Zara did not hear the bell to start but she kept her composure to lower just a single rail and incur a single time penalty – the gold was hers and silver for the British team