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Horse insurance

Towergate Equine, our specialist horse insurance division, recently launched a brand new online quote functionality. The new system makes getting a horse insurance quote even easier. Horse owners form a very strong bond with their animals and at Towergate we understand how important your animals are to you. That is why our equestrian insurance policies provide wide ranging cover to provide you with peace of mind and confidence that your animal is covered.

Get a horse insurance quote online straight away with the new quotation system put in place by the team at Towergate Insurance. Our policies include all types of horses, riders and equipment. If you have any questions or queries, our panel of horse insurance experts can help you secure the right level of cover for your horse or pony.

Standard policy features of our horse insurance policies

Being prepared for the unexpected is vital where your horse is involved. That is why we provide, as part of our standard horse insurance policy, death, accident, illness and disease insurance. Our horse insurance policies also offer you protection against theft, straying and public liability. Not only will your animals be covered, but you will also receive lost passport cover and an equine legal protection benefit.

Policy horse insurance exclusions

As thorough as our policies are, there are a few exclusions to bear in mind. These include slaughter (except on humane grounds) without the consent of the general agent as well as the destruction of the horse as a result of economic expediency. Visit our exclusions page for further information.

Policy excesses applicable to our horse insurance policies

The following excess amounts are applicable when making a claim:

• Death: no excess applies
• Saddlery and tack
  £1,000 cover: £100
  £2,000 cover: £200
• Third party damage: £100
• Dental treatment: £50 (under the personal accident section)
• Trailer/horse drawn vehicle: £100 (accidental damage/theft)
• Veterinary fees

Depending on the horse insurance cover option you select the excess can vary from £95 up to £500 per claim. Remember that the higher you set your excess the lower your premiums will be.

Classes of use

Through Towergate Equine we can provide you with horse insurance policies for a variety of activities. A detailed list of these usage activities follows below:

Use A

Hacking, dressage, gymkhanas, pony club (excluding racing), riding club, BHS Le Trec, non-thoroughbred broodmares, stallions at stud, unaffiliated novice and intermediate show jumping, novice hunter trials, driving (excluding cross country and trials), showing in hand or under saddle, foals over 30 days and heavy horses (not working).

Use B

As for Use A, with the addition of hunting, pony club racing, unaffiliated open show jumping, show jumping under BSJA rules, open hunter trials, BE affiliated eventing (up to and including intermediate), combined training, long distance riding, vaulting, driving (including cross country and trials) and heavy horses (working).

Use C

As for Use A and B, with the addition of point to point, team chasing, polo, polocrosse, horseball and BE affiliated advanced eventing.