About Multi Horse Insurance


Convenient and cost-effective multi-horse insurance

One policy, one premium, one renewal date. Keep things simple


Tailored horse insurance

Specialist cover that can be adapted to meet each of your horse’s individual needs


We speak your language

As experienced horse owners, our specialist team is on hand to help you and answer your questions


Additional extras cover available

Optional extras available to add on including veterinary fees, legal expenses, tack cover and more

We have provided a summary of the key features of the policy, below. 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.

Features of Multi Horse Insurance

Standard cover

Multi horse insurance

Our multi horse insurance policy offers exactly the same cover as individual horse insurance policies. Each horse can be insured for different activities, vet fees, public liability cover etc. The only difference is that we group together the individual policies under one policy with one renewal date and one premium, minimising the stress of you trying to manage several policies at a time.

Theft, straying or death

As standard, our multi horse insurance policy comes with protection against theft, straying or death.

If one, or more, of your horses is stolen or strays, you will receive financial assistance to help cover the cost of advertising your horse(s) as missing. If your horse(s) is not found within 28 days, you will receive a financial payout up to the market value or sum insured of the horse, whichever is the lower figure.

In the event that one, or more, of your horses die, our equine mortality insurance covers the financial costs of the accident, illness or disease. Subject to pre-existing medical condition checks. Depending on your coverage, euthanasia and disposal costs can also be covered in your policy.

Liability cover for multi horse insurance

Our multi horse insurance policy includes public liability cover which financially protects you against damage or injury caused by your horses to members of the public.

Additional cover

Optional additional cover for your multi horse insurance

There are a number of optional equine extras that can be added to your policy including personal accident cover, legal expenses and tack cover.

Should you, or anyone you have given permission to ride your horses, accidentally injure yourself while riding or handling your horses you would need personal accident cover. This cover can protect you financially for bodily injury, dental and death.

Additionally, there is also the option of adding on legal expenses insurance.

If you have more than £1,000 worth of tack we can provide tack cover to protect your saddlery, training tools, rugs, boots etc.

Multi Horse Insurance FAQs


Do I need horse insurance?


Horses are an expensive investment. Illness, injury, theft, or an accident can happen at any time and may result in high financial costs. Accidents involving your horses may result in you being seriously injured or legally responsible to pay large amounts of compensation and legal bills. The 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 horses.


What is personal accident cover on a horse insurance policy?


Personal accident cover insures you and anyone else riding your horses with your permission, against death and accidental injury caused directly by riding or handling. Note this does not cover riding for financial gain.


Are there any age exclusions for my horse under multi horse insurance?


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 are your horse insurance exclusions?


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.

  • 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
  • Illness caused by a behavioural issue
  • Liability if used in connection with a riding establishment or public rides/fetes

See your policy document for full details.


Can I pay for my multi horse insurance policy in instalments?


If you would prefer to spread the cost of your multi 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 more information about monthly Direct Debit?


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

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