Towergate Underwriting

Equine Insurance for Brokers

Horse Insurance from AIUA

Specialist equine insurance for brokers

Equine Insurance

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Our expert underwriters offer equine solutions for horse insurance, covering hackers to hunters and show horses to showjumpers.

Key Features

  • Death by accident, illness and disease insurance
  • Theft or straying insurance
  • Public liability insurance up to £2 million
  • Insurance for the loss of United Kingdom passports
  • Equine legal protection insurance

For the following activities:

  1. Hacking, Dressage, Gymkhanas, Pony Club (excluding racing), Riding Club, Trec, Non Thoroughbred Brood Mares, Stallions at Stud, Unaffiliated Novice and Intermediate Showjumping, Novice Hunter Trials, Driving (excluding cross country and Trials) Showing in hand or under Saddle, Foals over 30 days and Heavy horses (non working).
  2. Hunting, Unaffiliated open Showjumping, Showjumping under BS rules, open Hunter Trials, Pony Club Racing, BE Affiliated Eventing (up to and including intermediate), Combined Training, Long Distance Riding, Vaulting, Driving (including Cross Country/Trials) and Heavy Horses (working).
  3. Point to Point, Team Chasing, Polo, Polocrosse, Horseball and BE Affiliated Advanced Eventing.

Optional Cover

  • Personal accident insurance up to £20,000 for Death and Total Disablement (including £1,000 dental treatment, with a £50 policy excess)
  • Three options for veterinary fees insurance:
  1. £3,000 per period of insurance with an excess of £150 for each and every claim
  2. £5,000 per incident, up to £10,000 per period of insurance, with an excess of £185 for each and every claim
  3. £5,000 per incident, up to £10,000 per period of insurance, with an excess of £500 for each and every claim

    This includes up to £1,500 in respect of alternative treatment if recommended by a Vet.

  • Loss or damage to saddlery and tack insurance with two options:
  1. £1,000 with an excess of £100 for each and every claim
  2. £2,000 with an excess of £120 for each and every claim
  • Permanent loss of use insurance for accident, illness or disease for 100% if the horse is totally incapacitated or 60% if the horse can still be used
  • Stable loss insurance of up to £500 for cost of alternative stabling
  • Loss of entry fees insurance up to £300 caused by death of insured horse or hospitalisation of intended rider
  • Trailers and horse-drawn vehicles insurance for theft or accidental damage with an excess of £100 or 10% of the loss whichever is the greater
  • Insurance cover for horses over 16 years of age includes Death by Accidental Injury causing only (1) Bone Fracture (2) Visible External Wound, Theft or Straying, Public Liability up to £2 million, Legal Protection and Veterinary Fees for Accidental Injury causing only (1) Bone Fracture (1) Visible External wound to the value of £1,500 per incident, up to £3,000 per period of insurance with an excess of £100 for each and every claim

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AIUA

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