FAQ - Veteran horse insurance

A horse is a financial investment that should be protected. The main reasons to insure could be to cover vet fees, injury or illness but perhaps most importantly public liability insurance is covered as standard.

Often referred to as 3rd party insurance this cover protects you as the responsible owner of your horse. Under the Animal Act (1971), the keeper or owner is liable for any damage or injury to any third party or their property, whether they are negligent or not. In layman's terms public liability insurance protects you if you are sued by another person.

Yes but proof of valuation or success in competition must be provided.

Our veteran horse insurance policy is suitable for horses aged 16 years old or over. Younger horses can be insured through the standard horse insurance policy.

Not usually. We use a "statement of fact" for our veteran horse policy however some policies may require completion of a proposal form.

• Horse valued at £5,000 and over: 5 stage BVA (British Veterinary Association) certificate
• Horse valued in excess of £2,000 if the horse is aged 10 years and over: 2 stage BVA mortality certificate
• Where a horse has been owned for more than a year without insurance: 2 stage BVA mortality certificate
• Valued at £10,000 and over: 5 stage BVA certificate and x-rays of front feet with the shoes removed (the underwriters reserve the right to request further x-rays)

Towergate AIUA underwritten by Royal Sun Alliance, a leading blue chip insurer.

Cover is provided for theft, accidental damage or loss. Please note that five-lever mortice deadlocks are required on all doors where equipment is stored and all windows must be securely locked.

• Standard personal accident - £20,000 - loss of limb, loss of sight
• Dental treatment - provided up to £1,000
• Exclusions - helmet must be worn at all times and a BCIS standard back brace

Yes. The insurers will provide a limit of £200 for the cost of advertising for lost or strayed horses.

Loss of use insurance is provided to cover horses when a disease or injury is sustained and permanently prevents it from fulfilling the functions or duties for which it is kept employed and insured.

We are able to cover any number of horses. There is no official maximum number although if you own a large number of horses we may be able to offer a different policy that is more suitable.