If you’ve got a horse, you’ll be aware that they’re not the cheapest of pets to look after! It’s therefore important that you have sufficient insurance to safeguard you against the potentially very costly bills that will inevitably mount up should the unexpected happen too your horse. You will need to ensure your cover is comprehensive enough to make sure you are not financially disadvantaged should your horse get stolen, stray or die.
As with all insurance policies, you can choose the level of cover you want. Basic levels of horse insurance are the cheapest, but only include minimal cover, if any, for veterinary treatment. Basic level horse insurance is likely to include 3rd party liability, meaning your policy will pay out should the actions of your horse cause any damage to either individuals or property.
3rd party liability is also included in more comprehensive levels of cover. These will also provide higher levels of cover for vet’s fees, and may even contribute to alternative treatment during the rehabilitation process. However, there is usually a limit on either the duration or cost of your horse’s treatment. Also with more comprehensive cover, you may well have accidental cover for your equipment such as saddles, and even cover against the theft of such equipment. Some specialist horse insurers will provide cover for your horse box/trailer, as well as personal injury cover for the rider.
Naturally, the cost of the policy’s premiums will depend on the level of cover which you choose to take out. Horse insurance providers will also take other aspects into account when giving you a quote, such as the value of the horse, as well as the location in which it is kept.
*All information displayed in this table is subject to change. Please consult individual insurers for terms and conditions.
