as a horse owner i have at times had to put my horse on loan, however i always discussed the insurance requirements with the loanee. i paid for vet, death, theft, and my own 3rd party and liability cover, the only insurance i insisted the loanee have is 3rd party liability and personal cover. because it's not your horse the health and well being of that horse is not your responsiblity it's the owners, and you should have your own 3rd party and liability incase of an accident where the owner is not responsible as they are not the rider. The British Horse Society's gold membership includes 3rd party liability and personal cover, get the membership it's only £58 a year and you get free legal advise should you need it and lots of goodies in the post too. hope this helps good luck. also don't use E&L insurers as they are cheap but are slow paying out.

I forgot to say that I will only have him a month since my other loan pony has hurt his tendon. Should I get insurance for 'Ginger' since I will only have a month then I will get Alfie. Should I keep the same insurers after I get Aflie but change it so I have a different horse on the information???