Horse insurance - are you fully covered?

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Sadly, horse insurance issues are vital, in this day and age. Not only should we protect ourselves from having to pay huge vet bills should our horse get injured, but there are other issues to consider as well. For example, if your horse escapes and causes damage to property, causes a crash or injury to a person or other animal, then you are liable. This also applies to any other pets (such as dogs or other livestock). As such, as an absolute minimum you should really consider third party liability insurance. If you are a member of the British Horse Society, then you may already be covered for third party liability, but always double check as it’s too late once an accident has occurred! Click here for a quick online horse insurance quote.

If you tow a trailer or drive a horse box then again, you need to make sure that you and your horse lorry or horse trailer are suitably insured. Unfortunately, horse trailers and horse boxes are regularly stolen, but at least if you have horsebox insurance against theft, it lessens the financial burden of a replacement.

As keeping horses is expensive, any reduction in costs is a bonus. Some horse insurance companies do offer discounts if you have both you horse and horse lorry or horse trailer insured with them. You can also sometimes get a discount if you make use of additional security measures. For example, if you use wheel clamps, anchors and security padlocks, have CCVT or have your horse microchipped or freezebranded. These companies are worth looking out for and there’s nothing lost by asking your existing insurer for such a discount!
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Below is a list of different types of horse insurance and a brief guide as to what they mean and who they are relevant to. Take a look and see if they apply to you...if so, are you fully covered?

HORSE INSURANCE covers a whole host of issues. Each horse insurance company will have different terms and conditions, but essentially, if you own a horse, you really should consider getting it insured. Your insurance could cover your horse for veterinary fees, should your horse get injured (horse veterinary insurance), as well as your tack, in case of theft (horse tack insurance).

VETERAN HORSE INSURANCE usually covers horses of 14 years old or more. With an older horse you may find that your horse starts to get joint problems or problems with teeth or simply general issues surrounding old age. For this reason, it is wise to insure your older horse for veterinary fees or you could find yourself paying a fortune for healthcare as your horse enters its twilight years.

HORSE PUBLIC LIABILITY INSURANCE is vital! As mentioned above, should your horse escape and cause injury or damage to someone or something, then you are liable to pay for damages. This is also the case, for example, if you were out hacking and your horse kicked a car or dog or caused an accident in some way. Without horse public liability insurance (third party insurance), you really could one day end up with a huge bill to pay for.

HORSE BUSINESS INSURANCE is usually specifically for those individuals that run an equestrian business. However, even if you only have a small private livery yard, if people pay you for services, then that's a busines and you should still have horse business insurance.

HORSE RIDING INSTRUCTOR INSURANCE is required by all individuals that teach any individual to ride and take money for the service. You may only teach a few friends, but if you are instructing them and they pay you, then you MUST have insurance in case of an accident or injury whilst under you tuition.

HORSE TRAILER INSURANCE is a sensible option! Sadly trailers are stolen all too often and the cost of replacement or repair is expensive. If you haven't got your trailer insured, it really is worth getting some quotes and you'll probably find that it's not as expensive as you thought.

HORSEBOX INSURANCE is essential as obviously a lorry is driven on the roads and so, like a car, must be insured for third party liability as a minimum. Horse lorry insurance is usually not too expensive, especially as you are less likely to drive as many miles in it as you would your car and as such, you can usually get restricted mileage insurance, to reduce the cost.

HORSE TRAVEL INSURANCE is getting more popular as people are starting to take their horse on holiday. This may simply be a weekend trip for a training clinic or a week away to sample the joys of riding around other parts of the country. Either way, you should always check with your insurance company that your horse (and tack) are insured when stabled and travelling away from home. Some companies will offer horse travel insurance in with your standard policy, but always read the small print and ask questions about anything you're not sure of!

HORSE TRAILER BREAKDOWN COVER / HORSEBOX BREAKDOWN COVER is also well worth considering! With specialist cover at least you would know that should you be stranded on the side of the road with your horse in the back, you can get home safely with a specialist team available to fix you up and send you on your way.

SBI!