Equine Vehicle Breakdown Cover

Unlike standard breakdown insurance policies, specialist equine rescue insurance covers the rescue of your horse(s) while in transit.

If your vehicle breaks down while it is more than 50 miles away from your home and cannot be repaired on the same day at the roadside, or at a garage, one night's hotel accommodation will be paid for you and up to five passengers. Horsebox and trailer breakdown insurance will also include stabling costs for your horse(s). Covers vehicle hire and public transport. However, please note that:

• Before you arrange alternative travel, you must call the Rescue Control Centre for their agreement.
• We will only refund amounts covered by this insurance if we receive valid invoices and receipts.
• No compensation will be paid for meals or drinks.

We also offer a 24/7 Rescue Control Centre to provide you with emergency support, 365 days a year on: 01277720718 and 0800 243 783.

If your vehicle is irreparable, we will make arrangements to get you and your horses to wherever you need to be (within the UK).

• The cost of any parts, components or materials used in any repair is not covered
• Ferry and/or toll fees are excluded
• The horsebox and trailer must not knowingly be driven into unsafe or unroadworthy condition or until recommended repairs have been carried out
• The vehicle must not be used for private hire, public hire (unless the appropriate premium has been paid), racing, rally, pace-making, or in any contest or speed trial or any rigorous reliability testing
• EU cover is excluded

Please make sure you check your horsebox breakdown cover policy documents and speak to an adviser if you are unsure of any terms and conditions.

If your car breaks down, the horse trailer and horsebox breakdown cover policy will recover the trailer with your horses. It will also cover the towing vehicle that is stayed on the policy.

Many standard breakdown policies specifically exclude any equine or livestock. This means that if your trailer is carrying your horses at the time of the breakdown, your breakdown provider won't recover your trailer. We recommend that you check your cover with your car breakdown provider.

You can have another breakdown membership alongside this purely for your towing vehicle, but you cannot call out both at the same time. If you have your horsebox or horse trailer attached, you would need to contact us for assistance.

If you would prefer to spread the cost of your horsebox and trailer breakdown insurance policy, you have the option of setting up a Direct Debit to pay your premium in equal monthly instalments through our preferred provider, Premium Credit Limited (PCL).

To find out more about PCL and direct debit payments, select Direct Debit.

To understand more about how PCL work together with Towergate, please read our Regulatory Information.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.