Equine Travel Insurance

Public liability insurance protects you against legal defence costs incurred as a result of alleged accidental injuries to members of the public and damage to property, caused by your horse.

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 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.

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 would prefer to spread the cost of your 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.

Yes, we offer a range of covers for horses.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

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