lol, look mate, i understand how you feel, so here are some tips:
If you simply sidestep to the left, chances are he will either miss you or he will have to lance headon, which means many many many weapons will outdistance the lance as you will hit the horse before he hits you.
If you really are so concerned about not getting killed by horses, get a long weapon or stay near some pikemen.
Horses are already among the most expensive equipment items to upkeep, horses got reduced speed and maneuver and the lance can only turn 40 degrees. I don't know what class you play, but any class now has a decent chance against a horse if he sees it coming (well, as a sword and boarder, just spam block
). If you don't, well thats what happens when you give lancers 40 degrees of turn, they go back to buttsechsing unaware infantry.
P.S.: i can deal just fine with cav onfoot with my lance, get a longer weapon and you will be fine.