Bloodstock and Racehorse Insurance

Racehorse insurance from equine insurance specialists

  • All risks mortality insurance to cover the value of the horse if it dies as a result of accident or disease
  • Barrenness and fertility cover for mares and stallions
  • Standard and optional covers from a panel of the UK's top equine specialist insurers

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01536 486060
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Features of our bloodstock insurance

Insurance designed for race horses

A horse insurance policy designed specifically for horses competing at a high level, or horses being used for breeding purposes, from a panel of the UK's top equine specialist insurers.

Cover for unexpected risks

Cover for standard risks such mortality and theft, plus additional cover for colic and life-saving surgery, cover when competing/travelling outside the country of residence and loss of use options and vet fees for competition horses.

Barrenness cover for breeding horses

Fertility cover for failure of a mare to conceive and failure of first season stallion to achieve conception. Insuring loss of income from: stallion's inability to fertilise mare; inability of mare to carry a pregnancy; and loss of fertility due to accident or disease.

From a panel of leading bloodstock insurance providers

Our panel of insurance companies at Towergate Equine comprises some of the leading bloodstock horse insurance providers in the UK and will provide you with the peace of mind that, should the worst happen, you will have a high quality insurance product that responds quickly when you need it.

Bloodstock and Racehorse Insurance Claims

To make a claim, call us on 01536 486060, weekdays 9am to 5pm.

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Bloodstock and Racehorse Insurance FAQs

What is all risks mortality and theft?

All risks mortality and theft covers the market value for your horse in the event of:

  • Death - as a result of accident, injury, illness or disease
  • Theft
  • Humane destruction
  • Death or humane destruction directly resulting from theft of the horse which occurs during the policy period
What is foal insurance?

Covers all risks of mortality and theft as well as life saving surgery and will reimburse you for the death, theft or humane destruction of your foal or any life saving surgical costs for fracture repair or colic.

What is prospective foal insurance?

Prospective foal insurance covers a foal in utero that is not alive at the expiry of the policy, up to the specified limit in the policy.

What is mare barrenness insurance?

Mare barrenness insurance is purchased in conjunction with a prospective foal insurance policy and will provide an indemnity if:

  • The insured mare is not in foal as at the 1st October
  • The foal in utero on the policy is not alive at the expiry of the policy
  • The insured mare has a multiple pregnancy
What is stallion permanent disability?

Provides an indemnity in the event of your colt or stallion being rendered permanently and totally impotent, infertile or incapable of serving mares as a result of an accident, injury or disease first occurring and first manifesting itself in the policy period and reported during the period of insurance.

It does not provide indemnity for death, theft or humane destruction of the colt or stallion under this additional cover.

What is first season sub fertility?

The success of the first season of a stallion at stud is an unknown - you can cover the risk of sub fertility with First Season Sub Fertility Insurance.

What is life saving costs surgery cover?

For a small additional premium per horse, as an extension to your mortality policy; your policy provide cover for life saving surgery costs, up to an agreed limit per horse.

What is a Colic Costs Surgery Extension?

The average colic operation costs in the region of £3,000-£5,000. Many owners overlook this when budgeting for the costs of ownership.

For a small additional premium per horse, as an extension to your mortality policy, your policy can provide cover for colic surgery costs only, up to an agreed limit per horse.

What is Unsoundness of Wind cover?

Unsoundness of Wind covers insured horses that, during the following year, are then sold at public auction and subsequently returned due to Wind problems in accordance with the Conditions of Sale of the respective sales company.

What is Operations Insurance?

As long as your horse is certified fit for a general anaesthesia, this provides cover for the risk of the operation and any complications up to 30 days afterwards. The cover does not however include pre-existing conditions.

What is transit insurance?

Transit insurance provides cover for your horse whilst it is being moved and can be purchased on the following basis:

  • As part of a 12 month policy
  • Or a transit only policy plus 30 days at final destination
  • Or a simple short term transit policy to expire on unloading at the airport
What is a 12 month extension clause?

All insurances with an annual period or longer have a 90 day extension clause as standard. If an illness that has first occurred and manifests itself in the period of insurance and insurers have been informed before expiry, then you will be indemnified, during the policy period plus 90 days after expiry if the horse dies.

However, for an additional premium you can increase this standard 90 day extension by 275 days - giving 12 months extension in total, usually as long as you renew with your insurer.

This extension may not be available for older horses.

What is an agreed value extension?

For an additional premium, and subject to the provision of information acceptable to the insurer, the sum insured of your horse as listed on your policy can be accepted by the insurer as the "agreed value" in the event of a claim. In the absence of this extension the value is deemed to be the current market value.

What is loss of use cover?

Loss of use covers your horse against being rendered totally and permanently incapable of performing the use for which it is kept and insured as a result of an illness or injury occurring or arising during the period of this insurance.

Accidental External Injury Loss of Use provides cover as a result of an injury by visible external and violent means occurring or arising during the period of this insurance.

What is does vets fees insurance cover?

Veterinary fees insurance for bloodstock is often added to mortality policies and provides cover for the costs of the treatment of your horse by a qualified vet. We can offer levels of cover from £3,000 to £10,000 per annum.

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