Veteran Horse Insurance

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 veteran horse insurance policy could 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 veteran 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 veteran horse
• Horse hospitalisation costs
• Third-party public liability
• Tacks and saddlery cover

Certain things are excluded within our veteran 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 veteran horse as a result of economic expediency
• Destruction of the veteran horse as a result of an undiagnosed behavioural condition
• Liability if used in connection with a riding establishment or public rides/fetes
• Illness caused by a behavioural issue
• Veterinary fee cover pays towards the costs of veterinary surgeon fees for an accidental injury causing bone fractures or visible external wounds up to £1,500, £3000 or £5000 for any one incident (maximum of £10,000 in one period of veteran horse insurance depending on the vet’s fees sum insured chosen).

See your policy document for full details.

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.

We have provided a summary of the key features of the policy, above. For details of the terms and conditions applicable, please refer to the insurance product information document and policy wording, which are available during the quotation process.