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You are in... Forums > Discuss This > Answers > Who is the Best Horse Insurer?

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B1gted

Joined:

Sep 08

Posts: 14

B1gted says:

RE: I’ve just bought my first horse, which I will use mainly for hacking and occasional Riding Club events. I appreciate that insurance offers some peace of mind but he wasn’t a very expensive horse, and I need to keep the bills down as much as possible. I’ve also heard several hard luck tales from friends who feel they have been unfairly treated by insurance companies when a crisis occurred. How do I find the best policy for me at minimum cost, and is it even worth it?

Yes if only for the public liability and vets bills.

B1gted

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haze

Joined:

Sep 08

Posts: 21

haze says:

RE: I’ve just bought my first horse, which I will use mainly for hacking and occasional Riding Club events. I appreciate that insurance offers some peace of mind but he wasn’t a very expensive horse, and I need to keep the bills down as much as possible. I’ve also heard several hard luck tales from friends who feel they have been unfairly treated by insurance companies when a crisis occurred. How do I find the best policy for me at minimum cost, and is it even worth it?

please insure this horse!! i paid next to nothing for mine and just had to have him put down, my vet bill is £4500!! (he cost me less than my saddle, it was a genetic disorder and i did have him vetted!!)

HMB

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sammie30

Joined:

Oct 08

Posts: 2

sammie30 says:

RE: I’ve just bought my first horse, which I will use mainly for hacking and occasional Riding Club events. I appreciate that insurance offers some peace of mind but he wasn’t a very expensive horse, and I need to keep the bills down as much as possible. I’ve also heard several hard luck tales from friends who feel they have been unfairly treated by insurance companies when a crisis occurred. How do I find the best policy for me at minimum cost, and is it even worth it?

Yes! get him insured. You never know What will happen.if your worried about cost's check out all companies

A women needs two animals.The horse of her dreams and a jackass to pay for it.

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dawnrun

Joined:

Oct 08

Posts: 3

dawnrun says:

RE: I’ve just bought my first horse, which I will use mainly for hacking and occasional Riding Club events. I appreciate that insurance offers some peace of mind but he wasn’t a very expensive horse, and I need to keep the bills down as much as possible. I’ve also heard several hard luck tales from friends who feel they have been unfairly treated by insurance companies when a crisis occurred. How do I find the best policy for me at minimum cost, and is it even worth it?

would not hesitate the cost of vets bill can mount up in no time a had a thoroughbred a lot of yaers a go sadly sold him he got an infection in his guteral pouch (nearly lost him) luckly had him insured cos i cost me a small fortune over 700 pound in treatment thank goodness he was insured

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gem1

Joined:

Oct 06

Posts: 2

gem1 says:

RE: I’ve just bought my first horse, which I will use mainly for hacking and occasional Riding Club events. I appreciate that insurance offers some peace of mind but he wasn’t a very expensive horse, and I need to keep the bills down as much as possible. I’ve also heard several hard luck tales from friends who feel they have been unfairly treated by insurance companies when a crisis occurred. How do I find the best policy for me at minimum cost, and is it even worth it?

yes do my mare has had 3 illness since march this yr ive had to claim 3 times already each one costing over 1000.00 and my excess is 115.00 thats a big deffrience also you know that u can provide the best vet care for your horse if need be

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Endurance Arabians

Joined:

Jun 08

Posts: 2194

RE: I’ve just bought my first horse, which I will use mainly for hacking and occasional Riding Club events. I appreciate that insurance offers some peace of mind but he wasn’t a very expensive horse, and I need to keep the bills down as much as possible. I’ve also heard several hard luck tales from friends who feel they have been unfairly treated by insurance companies when a crisis occurred. How do I find the best policy for me at minimum cost, and is it even worth it?

Yes insure your horse i brought my Arab colt for only 600pounds and my Shetland pony for 10pounds but both of them are insured as you never know what will happen not just to them but you really need 3rd party lierbillaty just incase they damage other peoples property Shop around Your horse mag as lot in the back of there.

Boyfriends come and go but my Arabs are for life

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TracyHall

Joined:

Oct 08

Posts: 8

TracyHall says:

RE: I’ve just bought my first horse, which I will use mainly for hacking and occasional Riding Club events. I appreciate that insurance offers some peace of mind but he wasn’t a very expensive horse, and I need to keep the bills down as much as possible. I’ve also heard several hard luck tales from friends who feel they have been unfairly treated by insurance companies when a crisis occurred. How do I find the best policy for me at minimum cost, and is it even worth it?

as other comments - yes! I loan a highland pony and insure him for third party liability. Even with the most sensible horse, they are still unpredictable at times and the way society is these days, unfortunately you need to be prepared for someone to come back on you. There was a story in YH a couple of years ago where a horse got loose from a field and caused an accident and the owners were held liable even though they were no-where near and weren't responsible for the fencing - if its your horse you get the grief if something goes wrong!

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Alex Graham

Joined:

Mar 05

Posts: 8

Alex Graham says:

RE: I’ve just bought my first horse, which I will use mainly for hacking and occasional Riding Club events. I appreciate that insurance offers some peace of mind but he wasn’t a very expensive horse, and I need to keep the bills down as much as possible. I’ve also heard several hard luck tales from friends who feel they have been unfairly treated by insurance companies when a crisis occurred. How do I find the best policy for me at minimum cost, and is it even worth it?

It is always worth the peace of mind to cover yourself for vets fees (my last horse went lame and was retired after over £10,000 of treatment- lucky we were insured) and 3rd party liability is a must. If oyu don't opt for payout on theft/ death or only take a percentage then it can keep it reasonable cheap. Extras like tack cover and trailer cover are up to you to decided the risk and how much you could afford it you lost all your tack in theft/ fire etc. I also have rider insurance and this is great. It works out at £5 per month and covers me for leading/handling/ riding/ groundwork etc with any horse as long as i have the owners permission. This is a must for its price if you ride anyone elses horse, even just out for a hack with friends or leading a mates horse in and out of the field.

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stallion lover

Joined:

Dec 08

Posts: 3

RE: I’ve just bought my first horse, which I will use mainly for hacking and occasional Riding Club events. I appreciate that insurance offers some peace of mind but he wasn’t a very expensive horse, and I need to keep the bills down as much as possible. I’ve also heard several hard luck tales from friends who feel they have been unfairly treated by insurance companies when a crisis occurred. How do I find the best policy for me at minimum cost, and is it even worth it?

yes i think it is.If you are worried about the price there is loads of cheap reliable insurince companies out there.

silly stallion

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heatherjoebron

Joined:

Dec 08

Posts: 16

RE: I’ve just bought my first horse, which I will use mainly for hacking and occasional Riding Club events. I appreciate that insurance offers some peace of mind but he wasn’t a very expensive horse, and I need to keep the bills down as much as possible. I’ve also heard several hard luck tales from friends who feel they have been unfairly treated by insurance companies when a crisis occurred. How do I find the best policy for me at minimum cost, and is it even worth it?

its definately worth gettin insurance and theres plenty of cheaper insurance options ! :)

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