Equine Insurance -
Just Another Expense?

As soon as you've bought your horse, your very next purchase should be an Equine Insurance Policy.

Without doubt, setting up an equine insurance policy is a key priority to protect your financial investment in your horse and tack and to give you peace of mind when a hefty unexpected vet bill crops up.

This is particularly true if you compete, as the likelihood of injury or accident can potentially increase with the horse doing more strenuous and challenging work.

Shop around for the best policy that suits your requirements in terms of:-

• Riding Activities
• Level of Competition
• Provision of Health and Medical cover for Horse and Rider
• Loss Cover for your Horse and/or Tack, Trailer etc

Keep On The Right Side Of The Law!

The typical level of public liability cover ofered by insurers is £1,000,000. This means that you are covered in the event that your horse accidentally causes damage to other road users property or injury to another person. Failing to have this cover in place could result in an expensive lawsuit.

The majority of policies hold this cover as standard so you will not need a further separate policy as they incorporate the cost as part of your equine insurance premium.

In the event of an accident, some policies cover the rider for hospitalisation and/or medical care as well as providing veterinary treatment for your horse.

Policy Excesses - Read The Small Print

Check the different excesses that apply on your policy in the event of theft, veterinary treatment or accident.

Make sure you read your policy documents through carefully, insurers list their terms and conditions for paying out claims in the "small print" of the policy and you need to be aware of circumstances or conditions where they state they will refuse to pay out.

Insurers will ALWAYS expect you to take reasonable care to secure your horse and tack and prevent theft by being pro-active.

Click on this link to read our important tips for Safeguarding Your Horse

If you have a general question relating to Insurance, why not send it to us by clicking on this link and completing our Q&A Form

We will answer your question as soon as we receive it by posting to our Q&A Page.

If you have a specific policy query we would advise you to contact your Insurer's Customer Services Department as they will hold a copy of your policy on their files.

Their contact details are usually listed on your Policy Documents or any correspondence you have received from them.



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