Horse insurance needn't be confusing, but it pays to be informed when it comes to making a decision about who to insure yourself or your horse with.
Before you look at getting horse insurance, you should first have an idea of what each policy will typically cover and then make sure that you are happy with the levels of cover your insurer offers. It is also important to be aware of what is covered as standard within each policy and what is classed as an optional upgrade that would require an additional premium.
Typical features to look out for:
For your Horse or Pony:
- Veterinary Fees
- Death by Accident, Illness or disease
- Disposal Costs
- Theft or Straying
- Public Liability
- Loss of Use
- Loss or damage to saddlery and tack
- Stable fees
- Loss of Entry Fees
- Loss of Horse Documentation
- Legal Cover
For the Rider:
- Personal Accident, Death and Disablement
- Public Liability - legal liability to a 3rd party as a result of your riding a horse
- Loss of Education fees for missed lessons as a result of a riding accident
For Horse Trailers and Horse Drawn Vehicles:
- Theft or accidental damage
You should also make sure that you understand what the claims process is and if there would be any excess fees for you to pay in the event of a claim.
Let's have a look at some of the key reasons to purchase Horse Insurance:
A horse can be a wonderful friend and companion and you can have a great time riding and looking after your horse, but you should seriously consider taking out Horse Insurance for your financial protection. Vet's bills and other costs can quickly mount after an accident or illness and could leave you seriously out of pocket if you are not prepared. Horse Insurance can help to relieve your financial losses.
Protection against theft and straying
Most horse owners and riders will appreciate the value that Horse Insurance can offer in terms of financial assistance should anything happens to you or your horse. Horse Insurance can help cover the cost of your horse dying, being stolen, or straying. Hopefully this will not have happened to you but you will almost certainly know of an incident involving a friend’s or acquaintances’ horse and will appreciate that the assistance provided by horse insurance to cover the cost of these sad events is a great help.
Protection for you whilst riding
Riding a horse can be one of the most exhilarating activities of your life, but occasionally accidents can happen, and whilst these events are relatively rare, Horse Insurance can help protect you in case you are injured, or you injure someone else whilst in control of your Horse. If you do not own a Horse but would like specialist protection for you or your children whilst riding, you can visit Horse Rider Insurance
for more information on this specialist type of Horse Insurance.
Protection for your Horse against illness and injury
Horse Insurance can also provide cover against vet’s fees if your horse is ill or injured - and we all know how high those bills can be!. They can cover the cost of fire, theft or accidental damage to your tack and saddlery. Horse Insurance can also compensate you if your horse can no longer be ridden and can compensate the rider if they are injured in a riding
Horse Boxes or Trailers
Horse Insurance often provides cover for horse boxes and trailers, either as an optional extra or included within the policy. This can cover you for theft of, or accidental or fire damage to your horse box or trailer. These can be expensive pieces of equipment, so minimizing the replacement costs by having a Horsebox Insurance or Horse Trailer Insurance policy in place can help a great deal.
Peace of mind
Even if you are fortunate enough never to make a claim, Horse Insurance will give you peace of mind. Knowing that there is financial help and cover in place can be a great benefit, allowing you to relax and enjoy riding and hacking without the worry of possible costs.
Wishing you happy and safe riding.
All of us here at Compare Horse Insurance hope that you have found this guide useful. To get a quote, simply pick the relevant link from the bar on the left, and enter your details. Alternatively, why not have a look at our Horse Insurance Comparison table, or read our Horse Insurance Reviews.
Before you request a quote, remember cheap horse insurance isn't always the best horse insurance.