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 equine insurance for veteran horses and ponies.
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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.
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.
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.
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).
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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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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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.
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.
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 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.
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 Limited is part of the Towergate Group of Companies.