Specialist equine insurance for veteran horses and ponies aged 16 years and over.
Call us on 01536 486060 or get a quote online
A fixed benefit package for horses aged 16 years and older.
You can be sure that you’re speaking to someone who understands your needs.
Optional extras including saddlery and tack and personal accident cover.
Split your veteran horse insurance payments into equal monthly instalments.
Equine mortality insurance protects you against the financial costs of death by accidental injury caused by bone fracture or visible external wounds suffered by your horse. Disposal and euthanasia costs may also be covered by your veteran horse insurance policy, depending on your policy.
As part of your veteran horse insurance, 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 offer up to £2 million if you are sued because your horse has caused injury or damage, but you can also take limits of £1 million, £3 million or £5 million, depending on the policy.
If your veteran horse is not recovered within 60 days of being stolen or straying, you will be covered. You will be reimbursed at market value or the sum insured, whichever is less at the time. This feature of your veteran horse insurance policy offers financial peace of mind.
Our veterinary fee cover pays towards the costs of veterinary surgeon fees for an accidental injury causing bone fractures or visible external wounds up to £1,500, £3000 or £5000 for any one incident (maximum of £10,000 in one period of veteran horse insurance depending on the vet’s fees sum insured chosen).
When you need to make a claim, the claims team will guide you through the process and get your claim settled as quickly as possible.
A horse is an expensive investment and an elderly horse is also more likely to fall ill and become injured. Illness, injury, theft, or an accident may result in high financial costs. The right veteran horse insurance policy could protect you against unplanned for costs, should the worst happen.
An excess is the part of a claim that you pay for yourself. Excess fees vary between 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, so will be a variable amount based on the total amount claimed.
While death, theft and straying of your horse are included as standard, we also offer optional extras under our veteran horse insurance policies, including:
Certain things are excluded within our veteran horse insurance policies:
See your policy document for full details.
If you would prefer to spread the cost of your 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.
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