Thoroughbred insurance – Europe

Thoroughbred

Specialist cover for Europe’s finest racehorses

When it comes to protecting elite thoroughbreds, experience matters. With a lifetime in the industry, Ashby Underwriting delivers tailored insurance - backed by access to leading veterinarians and global equine experts. We design cover for horses competing at top-class flat meetings, chasing, hurdling, breeding, or international transportation.

Key benefits

Tailored protection for every stage of a horse’s career

Policies are designed to meet the specific needs of owners, breeders, stud farms, and trainers, from foals to elite racing stock.

Comprehensive risk coverage

We provide cover from all risks of mortality and theft to breeding-related protection. Our policies address the unique risks of the thoroughbred sector.

Specialist equine knowledge

Our underwriting team has deep roots in the industry. This allows us to make quick, informed decisions, and advice you can rely on.

Peace of mind

With agreed cover in place, clients can focus on performance and horse breeding while knowing their investment is protected.

Typical clients

We provide cover for a broad range of clients. These include:

Owners

Riders

Stud farms

Consignor yards

Thoroughbred trainers and pre-training yards

Horse transporters

Veterinary practices

What’s covered

Financial protection in the event of death or theft of the insured horse.

Cover for unborn and newborn foals.

Cover for a mare failing to conceive and deliver a live foal.

Covers the risk of a stallion being subfertile in its first year at stud or subsequently becoming infertile or unable to cover mares due to accident, sickness or disease.

All risks and mortality and breeding risk coverage for broodmare.

Covers surgical treatment costs for life saving surgery.

Financial protection in the event an animal is deemed unfit for sale at auction.

Protection during transport and a period before or after shipping.

Liability cover for professionals responsible for others horses in the event they are injured or die whilst in the insureds care.

Protection against unexpected surgical costs arising from colic surgery only.

Why choose Ashby Underwriting?

Years of equine industry expertise

Our team has spent years in the thoroughbred world. We offer insights that only come from first-hand experience.

Fast, informed underwriting decisions

Direct access to decision-makers means you get clear answers quickly, ideal when time-sensitive opportunities arise.

Bespoke solutions for the European market

Policies are structured to meet the needs of European owners, breeders, and trainers, with the flexibility to adapt as requirements change.

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Meet the team

Photo of David Ashby

David

David Ashby
Managing Director and Lead Underwriter
07881 922110
Photo of William Prince

William

William Prince
Senior Underwriter
07809 197776
Photo of Heidi Roberts

Heidi

Heidi Roberts
Underwriter
07771 568303
Photo of Mark Weeks

Mark

Mark Weeks
Underwriter
07729 093054
Photo of Sarah Gearing

Sarah

Sarah Gearing
Underwriter
07776 651705
Photo of Terrie Frazer

Terrie

Terrie Frazer
Underwriter
07961 900945
Photo of Hayley Layton

Hayley

Hayley Layton
Underwriting Assistant
07904 207045
Photo of James Kirk

James

James Kirk
Assistant Underwriter
07741 178605

Here to help

Your questions matter to us at Ashby Underwriting.

We understand that every horse is unique, and so are your insurance needs. Whether you're looking to explore a new quote, review an existing policy, or seek expert guidance, don't hesitate to contact out team today.

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