About Bloodstock and Racehorse Insurance


Specialist racehorse insurance

A horse insurance policy designed specifically for racehorses competing at a high level


All risks mortality for bloodstock

To cover the value of the horse if it dies as a result of accident or disease


Bloodstock fertility cover

Bloodstock insurance includes barrenness and fertility cover for mares and stallions


Standard and optional covers

Racehorse cover from a panel of the UK's top equine specialist insurers

Features of Bloodstock and Racehorse Insurance

Standard cover

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 brokers , you can customise your bloodstock and racehorse insurance policy to best suit your needs.

Bloodstock cover for unexpected risks

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

Barrenness cover for breeding horses

Bloodstock insurance protects you with fertility cover for failure of a mare to conceive and failure of a 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 an 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. This will provide you with the peace of mind that, should the worst happen, you will have a high-quality racehorse insurance product that responds quickly when you need it.

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

Your racehorse and bloodstock insurance policy includes all risks mortality and theft as standard.


What is foal insurance?


Covers all risks of mortality and theft as well as lifesaving surgery until the foal is up to 30 days. After this you can cover them on our main horse insurance policy. The policy will reimburse you for the death, theft or humane destruction of your foal or any lifesaving 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 lifesaving costs surgery cover?


For a small additional premium per horse, as an extension to your mortality policy; your racehorse and bloodstock insurance policy provides 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 racehorse and bloodstock insurance 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 bloodstock insurance 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 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.


Where can I find full details of my policy?


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.

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.


Find your insurance documents

and make sure you have all your information at hand, including your policy number


Call the claims team

on 01536 486060 and explain exactly what happened


Provide photos if requested

to help us understand what happened as quickly as we can

Relaxed Person Making Claim