As a loanee myself it is so so important to get your horses insured prior to them arriving at your yard, once in transit they are your responsibiliy. I find it hard that you struggled to get insurance as any company has always offered me a quote. The part of the insurance" loss of use" would be paid to the registered owner not to the loanee if in the very sad case the horse past away.

PLEASE ALL LOANEE'S TAKE OUT INSURANCE AND GIVE US OUR GOOD NAME BACK... PEOPLE WHO LOAN ARN'T ALL BAD THERE ARE SOME GOOD ONES OUT THERE!

The contract was signed on the agreement that i would get insure as soon as i could and i kept the owner up to date at all times as where i was at with the insurance so i could do no more. I  meant £90 a month which works out obvs over £900 a yr. Id understand if i didnt give crap but i did and still do its just as hard on me losing the horse as much as her.

I have the quotes from the insurers to prove i was trying to get insurance which she new about because i had spoken to her....its going to cost her more in solicitors fees than the value of the horse. I hadnt broke the contract as i was sorting it id understand if i had not bothered but i was getting quotes and had a qoute from the NFU which i was ringing up to sort direct debits out but the day i was ringning to sort that i found the horse had died in the night.  Quite a few insurance people would either not insure me or quoted me alot of money cheapest over £90 which is ridiculous all because he was on loan to me i do not understand at all.