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.

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 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.

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 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.

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.

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.