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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insurance guide
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.
View insurance guide
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Stables are a complicated environment and you should ensure you are covered for the unexpected.
Public liability insurance keeps you protected against any accidents that might befall visitors to your premises due to your negligence.
If you have a commercial livery yard, you need to ensure you are covered for interruption of business due to sickness or other unforeseen circumstances. Furthermore, if you employ staff at your stables, you are required by law to have employers' liability insurance.
Trailers kept at a stables will not be included in your livery yard policy and should be insured by the owner separately. We can cover these under our horse trailer insurance.
We can offer bloodstock insurance.
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.
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.
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.