About Pony Insurance


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.

Direct Debit

Pay by Direct Debit

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

For full details of the terms and conditions applicable, including any limitations and exclusions, please see your policy wording.

Features of Pony Insurance

Standard cover

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 £2 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 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 for the death of your pony

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

Additional cover

Equine legal expenses

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

Tack cover (max £5,000 per pony)

To include tack such as saddles and bridles.


Option to include personal accident cover

Personal accident cover insures you and anyone else (riding or in charge of your pony, with your granted permission) accidental bodily injury, dental costs, and death, solely while riding or handling your pony. Speak to one of our specialists about adding this optional extra to your pony insurance policy.

Pony Insurance FAQs


Do I need 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.


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 pony.


What is personal accident cover on a pony insurance policy?


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.


Is my pony too old to insure?


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.


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


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.


What is permanent loss of use cover?


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.


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


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


What are your pony insurance exclusions?


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.


Can I pay for my pony insurance policy in instalments?


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.


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.


What is the average cost of pony insurance? 


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.

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