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Horse Insurance

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Horse Insurance

By Helen Raymond
Published on 1 Sep 2007

How to choose insurance to protect both you and your horse.

Purchasing 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 horse insurance are likely to include features such as 3rd 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's 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. Additional features such as accidental damage to saddles and tack may also be included.

The cost of horse insurance premiums not only depends on the level of cover chosen but also on the agreed value of the horse and variables such as location and where the horse is kept. Some insurers may offer discounts if more than one horse is insured with them.

By 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 protect you against the unexpected.

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