Hints & Tips
What would you do if your horse suddenly developed an illness, or had a bad accident â would you be able to cover the vet's bills?
Just think about how much you would be able to afford if your horse had to visit the vet and the bill was thousands of pounds. Like many, you probably wouldn't be able to afford the whole amount; at least not all in one go. The solution is to take out horse insurance.
When looking at different horse insurance companies make sure you find out what the vet's fees limit is, and whether they are optional or included as standard. You may even be able to increase the vet's fees on some policies. In addition to vet's fees, there are many other sections that could be included, such as public liability, personal accident and saddlery and tack.
In this day and age it is easy to research policies before taking out cover, and even obtaining a few quotes to compare. It is important that you choose the right policy for both you and your horse. Think about the type of riding that you do, as this may affect your premium. Some insurance companies have higher premiums for horses that take part in hunting and hunter trials, so if you mainly do pleasure rides you may find a lower premium with some companies.
Make sure you look into the security requirements and check that you comply with them. It would be very frustrating if you had to put in a claim and for it to be rejected because you had not complied.
Have a look at the different discounts you could get with each insurance company. Some will offer online discounts or freeze-marking discounts.