insurance guide
A Simple Guide to Horse Insurance
Why do you need insurance for your horse, and what features and exclusions are usually found in horse insurance? Read our guide to find out.
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As part of your horse 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 insurers will offer at least £1 million if you are sued because your horse has caused injury or damage. Contact your insurer to find out more details.
If your horse is stolen or strays, insurance for theft or straying will cover the cost of advertising your horse as missing, up to a certain cost. If your horse is not recovered within 28 days of it being stolen or straying, you may be covered for the market value or the sum insured.
Equine mortality insurance protects you against the financial costs of the accident, illness or disease suffered by your horse. Removal and disposal of the carcass may also be covered.
Personal accident cover insures you and anyone else (riding or in charge of your horse, with your granted permission) against accidental bodily injury, dental costs and death, solely while riding or handling your horse.
At Towergate, we’re proud of our claims service. Our friendly equine team is dedicated to reacting quickly and to keeping your claim moving forward.
Simply call using the number provided in your policy documents. We will talk you through the details of your claim and advise you of the next steps in the process. We will continue to guide you from notification through to settlement.
Give us a call and we’ll help settle your claim:
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A horse 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 horse may result in you being seriously injured or legally responsible to pay large amounts of compensation and legal bills. The right insurance policy may protect you against unplanned for costs, should the worst happen.
Public liability insurance protects you against legal costs incurred by injuries to members of public and damage to property, caused by your horse.
Personal accident cover, also known as horse rider insurance, covers you and anyone else riding your horse with your permission against death and accidental injury caused directly by riding or handling.
At Towergate, we can offer equine insurance for horses of all 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.
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.
Permanent loss of use cover is an optional add on and covers you if your horse can no longer be used for the activities you insured it for, for the sum of purchasing another horse for the originally intended purpose(s). However, if your horse is still capable of breeding, the insurer will usually only cover part of the sum.
While death, theft and straying of your horse are included as standard, we also offer optional extras under our horse insurance policies, including:
Certain things are excluded within our horse insurance policies:
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.
Towergate Equine and Towergate Insurance Brokers are trading names of Towergate Underwriting Group Limited. Registered in England No.4043759. Registered Address: 1 Minster Court, Mincing Lane, London, EC3R 7AA. Authorised and regulated by the Financial Conduct Authority.