About Horse Insurance


Equine insurance experts

You can be sure that you’re speaking to someone who understands your needs.


Bespoke horse insurance

Select the level of horse insurance cover to suit your individual requirements.


Optional equine extras

Including veterinary fees, personal accident cover and more.

Direct Debit

Pay by Direct Debit

Split your horse insurance payments into instalments, subject to acceptance.

Features of Horse Insurance

Standard cover

Horse liability insurance

As part of your horse insurance policy, public liability cover will protect you against the costs incurred by members of the public suffering personal injury or property damage because of your horse. Most polices we can provide will offer at least £1 million if you are sued because your horse has caused injury or damage, and can cover up to £5 million. Contact your insurer to find out more details.

Cover for theft or straying

If your horse is stolen or strays, insurance for theft or straying will cover the cost of advertising your horse as missing, up to a certain cost. If your horse is not recovered within 28 days of it being stolen or straying, you may be covered for the market value or the sum insured of the horse, whichever is the lower figure.

Cover for the death of your horse

Equine mortality insurance protects you against the financial costs of the accident, illness or disease suffered by your horse (as long as it’s not a pre-existing condition). Disposal and euthanasia costs may also be covered in your horse insurance policy.

Option to include personal accident cover

Personal accident cover insures you and anyone else (riding or in charge of your horse, with your granted permission) 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.

Additional cover

Equine legal expenses

Lawshield, personal injury, uninsured losses and contract disputes cover up to £50,000.

Tack cover (starting at £1000)

To cover saddlery and tack including training tools, rugs, and boots.

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 486 060 and explain exactly what happened.


Provide photos if requested

to help us understand what happened as quickly as we can.

Relaxed Person Making Claim

Horse Insurance FAQs


Do I need horse insurance?


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.


What is public liability insurance, and do I need it?


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.


What is personal accident cover on a horse insurance policy?


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.


Is my horse or pony too old to insure?


At Towergate, we can offer equine insurance for horses of ages. 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.


What does it mean when I have to pay an 'excess' on my horse or pony insurance claim?


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.


What is permanent loss of use cover?


Permanent loss of use cover is an optional add on 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.


What optional covers does Towergate offer as part of equine insurance?


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


What are your horse insurance exclusions?


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.


Can I pay for my equine insurance policy in instalments?


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.


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.