Pony Insurance

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 pony 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 all ages. However, if your animal is over 21 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 additional extension 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
• Tack 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.