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Veteran Horse Insurance

Specialist equine insurance for veteran horses and ponies.

  • A fixed benefit package for horses 16 years and over offering essential cover
  • Our staff are equine experts, so you can be sure that you’re speaking to someone who understands your needs
  • Optional extras including saddlery and tack and personal accident cover

Request a veteran horse insurance quote online

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Or speak to our customer service team

01536 486060
01536 486060

Weekdays 9am - 5pm
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Features of our veteran horse insurance:

Cover for the death of your horse

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.

Horse liability cover

As part of your 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 policies will offer up to £2 million if you are sued because your horse has caused injury or damage.

Cover for theft or straying

If your horse is not recovered within 60 days of being stolen or straying, you will be covered for the market value or the sum insured.

Vet Fees

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 £1500 any one incident (maximum of £3000 in one period of insurance).

Veteran 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 veteran horse insurance?

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

01536 486060

Veteran Horse Insurance Articles & Guides

We've selected the following content for you:

Horse Insurance Guide

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.

Boy Caring For Young Horse


Guide to Horse Care

For hundreds of years a basic knowledge of horse care was vital to many people who used horses for transport and business. Nowadays, the primary virtue of a horse is as a valued and rewarding companion, so the real work is in the ethical and legal responsibility of you as the owner to ensure that your horse has all the essential requirements for its continued contentment and health.

From the choice of a livery yard to what to have in a grooming kit, it can often seem like there is an endless list of things to cover. Here is our basic guide to some of the key areas of horse care.

Horse Riding Tips Thumbnail


Horse Riding Tips

Learning to ride a horse can be a rewarding pastime for many reasons. Horses have long been regarded as trusted and valuable companions. However, it is understandable to be wary of a large animal whose unpredictable behaviour means they can even spook at a plastic bag.

Whether you are seeking to pursue horse riding as a sport, or simply as an occasional hobby, it is important to consider the time and patience you will need in developing your experience. Here are some basic riding tips to get you started.

Dog Insurance Guide

insurance guide

Dog Insurance Guide

Why do you need insurance for your dog, and what features and exclusions are usually found in this type of pet insurance? Read our guide to find out more.

Veteran Horse Insurance FAQs

Why would I need insurance for my old horse?

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 insurance policy may protect you against unplanned for costs, should the worst happen.

What does it mean when I have to pay an 'excess' on my horse 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 optional covers does Towergate offer with veteran horse 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 veteran 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 horse insurance policy in instalments?

If you would prefer to spread the cost of your horse insurance 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.

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