No two foals are the same, and our optional extras enable you to choose the level of protection that works for you.
If you prefer to speak to us in person, our expert advisors will be happy to help you find the best cover for your needs.
Optional equine extras include veterinary bills, personal accident cover and more.
Split your horse insurance payments into instalments, subject to acceptance.
Foal insurance includes public liability cover. If your horse causes injury to a member of the public, or damage to their property, public liability insurance will cover any costs you’re faced with as a result. If a member of the public sues you because your foal causes them injury or damage. Insurance policies available typically offer liability cover from £1 million. Speak to one of our insurance advisors to find out more.
If your foal is stolen or strays, you may need to pay to advertise them as missing. Theft or straying insurance as standard means you’ll be covered for the costs (up to a specific sum) of advertising for the return of your foal. If your foal is not found within 28 days of the theft or straying taking place, you may be able to claim the market value or the sum insured of the foal – whichever amount is lower).
Should your foal suffer an accident, illness or disease, equine mortality cover as standard will protect you against the financial costs (excluding pre-existing conditions). Your policy may also cover you for disposal and euthanasia costs.
Lawshield, personal injury, uninsured losses and contract disputes.
To cover saddlery and tack including training tools, rugs, and boots.
Optional personal accident cover protects you (and anyone you permit to take charge of your foal) in the event of accidental bodily injury, dental costs, and death, solely while riding or handling your horse. Speak to one of our specialists about adding this optional extra to your horse 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.
and make sure you have all your information at hand, including your policy number.
on 01536 486 060 and explain exactly what happened.
to help us understand what happened as quickly as we can.
Any foal is a costly investment. Unfortunately, unexpected events such as sickness, theft, injury, and accidents can prove costly. If your foal is involved in an accident, you could suffer serious injury or find yourself liable for compensation or legal bills as a result. If things do go wrong, choosing the right foal insurance can cover you against unexpected costs.
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.
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.
Permanent loss of use cover is an optional additional product 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:
We have provided a summary of the key exclusions applicable to our horse insurance policies. Full details of the cover provided can be found in the policy wording.
If you would prefer to spread the cost of your horse 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.
From choosing a livery yard to grooming, with horse care there is lots to consider. Read our guide to some of the key points for caring for your horse.Read More
September 11, 2019
Whether you are seeking to pursue horse riding as a sport, or simply as an occasional hobby, read about how to develop your experience.Read More
January 10, 2020
If you must use your horsebox in freezing conditions, we recommend taking the following precautions.Read More
July 09, 2019