Pony Insurance

Equine insurance designed specifically for ponies of all ages. 

  • Pony cover for death, theft and straying 
  • Our pony insurance also includes vet fees and liability
  • Tailor your pony insurance to your needs, with competition and catastrophe cover

Call us on 01536 486 060 or get a quote online.

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Why choose pony insurance with Towergate?


Pony insurance experts

At Towergate, you will always be connected to experts who understand your needs and are happy to answer any queries you may have.


Tailored pony insurance

Select your level of pony insurance to suit your individual equine needs.


Add optional pony extras

You can choose to add extras to your cover, including veterinary fees, personal accident coverage, and more.

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Pay by Direct Debit

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

About pony insurance


Pony liability insurance

As part of your pony 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 policies will typically offer a minimum amount of £1 million for pony liability if you are sued because your pony has caused injury or damage, and can cover up to £5 million. Contact our team for your specific requirements.


Cover for pony theft or straying

The cost of advertising a missing pony will be covered by the insurance up to a specific amount if your pony is stolen or strays. You may be covered for the market value, or the sum insured of the pony, whichever is lesser, if it is not found within 28 days of being stolen or straying.


Cover if your pony dies

Pony mortality insurance covers you against the cost of accident, illness or disease (as long as it’s not a pre-existing condition). Disposal and euthanasia costs may also be covered in your pony insurance policy – speak to our pony insurance team.


Optional personal accident cover for your pony

Personal accident cover for you and anyone riding or in charge of your pony(with your permission) against accidental bodily injury, dental costs, and death, solely while riding or handling your pony. To add this, speak to one of our pony insurance team.

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.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
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Pony insurance FAQs

A pony 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 pony 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 pony.

Personal accident cover insures you and anyone else riding your pony 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 insurance for ponies of ages. However, if your pony 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 pony 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 pony for the originally intended purpose(s), if your pony can no longer be used for the activities you insured it for. However, if your pony 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 pony are included as standard, we also offer optional extras under our pony insurance policies, including:

  • Veterinary fees
  • Personal accident cover for the rider, who may be you - or another person who is handling or riding the pony, 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 pony
  • Pony hospitalisation costs
  • Pony transportation costs
  • Third-party public liability
  • Tacks cover

We have provided summary of some of the exclusions that apply to pony insurance below. Full details of what is and isn’t covered can be found in the policy wording.

If you would prefer to spread the cost of your pony 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.

The cost of your insurance will depend on a number of factors, for example the value of your pony, the type of activities you want covered and the vet fees required.

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

Yes, you can add tack cover for max £5,000 per pony as an option extra.

Read more FAQs

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