Foal Insurance

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:

• 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

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.