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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Specialist horse trailer and horsebox breakdown cover.
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Fast arrivals of mechanical agents in response to your call which means less time wasted before work begins to get you and your horse(s) back on the road, or to make other appropriate arrangements for you if your vehicle or trailer cannot be repaired.
If your vehicle has broken down and an agent has been sent out to you but the vehicle cannot be started or repaired you are likely to need a safe way to move you, your horse(s) and any passengers to an appropriate location such as your home, your original destination or another location.
If your vehicle has broken down over 50 miles from your home and it and cannot be repaired at the roadside by the mechanical agent you may be in a position where you will need transport you may find yourself in the position where you have to choose between either trying to arrange onward travel arrangements or find accommodation for the night. This could of course be a very difficult and expensive situation for you, your horse(s) and your passengers to be in if you did not have the right cover.
If you and your horses are ready to begin a journey but your vehicle will not start this can be frustrating and stressful experience, particularly if you have a tight time schedule and many miles to travel. The Home Service option means that If you are unable to start your vehicle at the beginning of your journey a mechanical agent will be sent out to you to get your vehicle started.
These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents
Your equine rescue insurance is managed by "Towergate Equine" (a trading name of Towergate Insurance).
Simply call using the number below and they'll advise you of the next steps in the process. They'll also continue to guide you through as and when you need them to thereafter.
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Unlike standard breakdown insurance policies, specialist equine rescue insurance covers the rescue of your horse(s) while in transit.
If your vehicle breaks down while it is more than 50 miles away from your home and cannot be repaired on the same day at the roadside, or at a garage, one night's hotel accommodation will be paid for you and up to five passengers. This will also include stabling costs for your horse(s). Or, alternative road, rail travel or horsebox hire to allow you and you party to reach your destination and return home. However, please note that:
Before you arrange alternative travel you must call the Rescue Control Centre for their agreement.
We will only refund amounts covered by this insurance if we receive valid invoices and receipts.
No compensation will be paid for meals or drinks.
We also offer a 24/7 Rescue Control Centre to provide you with emergency support, 365 days a year on 0800 328 4487.
If your vehicle is irreparable, we will make arrangements to get your and your horses to wherever you need to be (within the UK).
The cost of any parts, components or materials used in any repair is not covered.
Ferry and/or toll fees are excluded.
Service cannot be provided if the vehicle is immobilised off road or cannot be reached due to snow, mud, sand or flooding.
The vehicle must not knowingly be driven into unsafe or unroadworthy condition or until recommended repairs have been carried out.
The vehicle must not be used for private hire, public hire (unless the appropriate premium has been paid), racing, rally, pacemaking or in any contest or speed trial or any rigorous reliability testing.
Please make sure you check your policy documents and speak to an adviser if you are unsure of any terms and conditions.
In order to validate your equine rescue policy, you must carry a roadworthy and accessible spare wheel and tyre with your vehicle/trailer at all times.
If your car breaks down this policy will recover the trailer with your horses but your car won't be covered. We recommend a separate policy for your car, which we can arrange.
Many standard breakdown policies specifically exclude any equine or livestock. This means that if your trailer is carrying your horses at the time of the breakdown your breakdown provider won't recover your trailer. We recommend you check your cover with your car breakdown provider.
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.