How to choose insurance to protect both your horse and your finances.
A horse is a big investment so it is important to choose a comprehensive level of specially tailored horse insurance to ensure that if the unexpected occurs you will not be financially disadvantaged.
The most basic levels of cover offered by most horse insurance companies are likely to include features such as third party liability (this will protect you financially should your horse cause damage to people or property) accidental damage and cover for theft, straying and death. They are likely to include only minimal cover for vet fees if any.
More comprehensive levels of horse insurance provide higher levels of cover for veterinary treatment and may also contribute towards the use of alternative practices during rehabilitation. There is, however, usually a limit on either the duration or cost of treatment relating to any one claim so you will need to make sure that you check this when you compare equine insurance.
Additional features such as accidental damage to saddles and tack may also be included but the inclusion of features like this may impact the cost of equine insurance so you'll need to consider whether it's worth paying extra for them.
When you compare horse insurance you'll find that the cost of horse insurance premiums not only depends on the level of cover you choose but also on the agreed value of your horse.
Variables such as the part of the country you live in and where your horse is kept will also have an impact.
Some horse insurance companies may offer discounts if you insure more than one horse with them. If you have multiple horses, this can be a way of security cheap horse insurance cover.
By comparing horse insurance quotes and choosing a comprehensive level of horse insurance you can be sure that whether your horse falls ill, has an accident or strays, you will have the financial support in place to cope.
