What To Consider When Deciding On Horse Insurance
What to Consider When Deciding On Horse Insurance
You could be forgiven for believing all horse insurance policies are exactly the same.
Of course, this isn’t true. Once doing your research you’ll see that it’s necessary to look around in order to get the best deal. E&L insurance are just one of a number of horse insurance companies that will help you find the best deal but there are a number of factors you should consider.
Don’t Always Go For the Cheapest
It is tempting to simply find the cheapest quote and opt for that one straight away. But your policy may not be worth the paper it is written on unless it covers your requirements. Take your time to examine the details before jumping in as spending a little more may ultimately result in costing you less.
How Old Is Your Horse?
Some horse insurance companies may be reluctant to provide cover for an animal that has reached a certain age, but that is not the case with all of them. In some cases, the smaller horse insurance companies may offer deals that their larger counterparts can’t.
What Are You Not Getting?
When you read the small print make sure you take note of what is not covered in the policy, as well as what is. Don’t be afraid to ask, because it is better to be clear from the start, rather than find out you are not covered if the worst happens.
The More the Merrier
If you own more than one animal, you may find horse insurance companies are willing to give you a quote based on a collective deal that is likely to help you save in the long run. Shop around, ask for the best deal and see what happens.
Finally, it is worth considering any other aspects of caring for your horse. Do you need to transport your animal, do you need to cover your riding tack, saddles or accessories?