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Equestrian Insurance
Specialist equestrian insurance for horses, ponies and foals, including transport of your animals.
- Our equestrian insurance covers straying, theft and death
- Tailor your equestrian policy, with competition, catastrophe, transport, trailer and horsebox, and veteran horse cover available
- We can cover horses and ponies from 30 days to 25 years old
One of the UK's leading independent insurance brokers
Why choose equestrian insurance with Towergate?
Flexible equestrian insurance
You can choose the level of equestrian insurance you need.
Optional equestrian extras
You can add in cover for veterinary fees, personal accident, trailer and horsebox, legal expenses, tack and more.
Equestrian insurance experts
Our cover is arranged by equestrian insurance experts to match your requirements.
Pay by Direct Debit
Spread your equestrian cover into 10 monthly Direct Debits, for an additional charge.
About equestrian insurance
Cover for the death of your horse
Equine mortality insurance shields you from the financial burden associated with the death of your horse following any potential accident, illness or disease (as long as the death is not related to a pre-existing health condition). Your horse insurance policy also covers the costs of euthanasia and disposal, provided policy guidelines are followed.
Equestrian cover for theft or straying
Insurance for theft or straying will pay for the expense of reporting your horse missing if it is stolen or strays (up to the amount specified in your policy). You might be covered for the market value or the horse's sum insured, whichever is less, if your horse is not found within 30 days after being stolen or straying.
Equestrian liability insurance
Public liability cover can be included in your equestrian insurance policy as an additional cover and shields you from the expenses incurred by members of the public who are hurt personally or whose property is damaged by your horse. If you are sued because your horse causes harm or damage, most policies we offer can cover up to £5 million. For further information, speak with your insurer.
Other optional additions to equestrian insurance
Personal accident cover insures you and anyone else (riding or in charge of your horse, with your granted permission) against accidental bodily injury, dental costs, and death, solely while riding or handling your horse.
We can also offer equestrian legal expenses cover, for personal injury, uninsured losses and contract disputes cover up to £50,000.
Saddlery and tack cover including training tools, rugs, and boots (starting at £1,000) can also be included if required.
Speak to one of our specialists about adding these optional extras to your equestrian insurance policy.
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.
- Contact us on on 01536 486 060 and explain exactly what happened.
- Provide photos if requested to help us understand what happened as quickly as we can.
Ready to get covered?
You can get a quote online or give our friendly team a call now.
Equestrian insurance FAQs
A horse is an expensive investment. Illness, injury, theft, or an accident can happen at any time and may result in high financial costs. Accidents involving your horse may result in you being seriously injured or legally responsible to pay large amounts of compensation and legal bills. The right equine insurance policy is designed to protect you against unplanned costs, should the worst happen.
Public liability insurance protects you against legal costs incurred as a result of injuries to members of the public and damage to property, caused by your horse.
Personal accident cover insures you and anyone else riding your horse with your permission, against death and accidental injury caused directly by riding or handling. Note this does not cover riding for financial gain.
At Towergate, we can offer equine insurance for horses up to 25 years old. However, if your horse is over a certain age it may be covered under a veteran horse insurance policy - this will vary across different insurers
An excess is the part of a claim that you pay for yourself. Excess fees vary between horse insurance policies. Be sure to check your excess fees as well as your premium when selecting an equestrian insurance product. You may be offered a ‘flat excess’, which will remain the same regardless of the amount of the claim, or a ‘co-insurance contribution excess, which will be a percentage of the amount claimed. Full details will be provided with your quotation.
Permanent loss of use cover is an optional extension of cover and covers you for the sum of purchasing another horse for the originally intended purpose(s), if your horse can no longer be used for the activities you insured it for. However, if your horse is still capable of breeding, or undertakes low-level activities such as hacking, the insurer will usually only cover part of the sum.
While death, theft and straying of your horse are included as standard, we also offer optional extras under our horse insurance policies, including:
- Veterinary fees
- Personal accident cover for the rider, who may be you - or another person who is handling or riding the horse, with your permission
- Saddlery and tack – damage, loss, or theft
- Permanent loss of use – due to e.g. an accident, injury, or illness of the horse
- Horse hospitalisation costs
- Horse transportation costs
- Third-party public liability
- Tacks cover
Certain things are excluded within our horse insurance policies:
- Slaughter (except on humane grounds) without our prior consent
- Illness or disease in the first 14 days from inception of the policy
- Destruction of the horse as a result of economic expediency
- Destruction of the horse as a result of an undiagnosed behavioural condition
- Liability if used in connection with a riding establishment or public rides/fetes
- Illness caused by a behavioural issue
See your policy document for full details.
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.
If you prefer to spread the cost of your annual premium, we offer a quick and easy direct debit scheme.
When you choose to pay premiums in instalments, you will be paying under a Premium Finance plan. We will give you full details of the finance provider, and the additional cost of finance, when we provide you with your payment plan quotation. This will include the total payable, the number of monthly instalments and the cost of each, as well as the representative APR.
If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.
See our range of equestrian cover
Equestrian insurance articles and guides
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