Horse Insurance

Specialist equine insurance for horses and ponies.

  • Our staff are equine experts, so you can be sure that you’re speaking to someone who understands your needs
  • Bespoke cover allows you to select the cover to suit your individual needs
  • Optional extras including veterinary fees and more

Request a horse insurance quote online

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Speak to our customer service team - they're horsey people too

01536 486060
01536 486060

Weekdays 9am - 5pm
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What does horse insurance cover?

Horse liability insurance

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.

Cover for theft or straying

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.

Cover for the death of your horse

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.

Option to include personal accident cover

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.

Horse Insurance Claims

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.

Need to make a claim on your equine insurance?

Give us a call and we’ll help settle your claim:

01536 486060

Horse Insurance Articles & Guides

Horse-related articles and guides:

Horse Insurance FAQs

Do I need insurance for my horse?

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.

What is public liability insurance and do I need it?

Public liability insurance protects you against legal costs incurred by injuries to members of public and damage to property, caused by your horse.

What is personal accident cover for horses?

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.

Is my horse or pony too old to insure?

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.

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

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.

What is permanent loss of use cover?

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.

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

While death, theft and straying of your horse are included as standard, we also offer optional extras under our horse insurance policies, including:

  • Veterinary fees
  • Personal accident for to the rider, who may be you - or another person who is handling or riding the horse, with your permission
  • Saddlery and tack – damage, loss or theft
  • Permanent loss of use – due to e.g. accident, injury or illness in the horse
  • Horse hospitalisation costs
  • Third party public liability
What are your horse insurance exclusions?

Certain things are excluded within our horse insurance policies:

  • Slaughter (except on humane grounds) without our prior consent
  • Illness or disease in the first 14 days from inception of the policy
  • Destruction of the horse as a result of economic expediency
  • Liability if used in connection with a riding establishment or public rides/fetes
Can I pay for my equine insurance policy in instalments?

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.

Regulatory information:

Four Counties Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered in England No. 4043759. Registered Address Towergate House, Eclipse Park, Sittingbourne Road, Maidstone Kent ME14 3EN Four Counties Insurance Brokers is part of the Towergate Group of Companies.

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