4 Counties Insurance

AM Trust Equine *

British Horse Society - 6 good reasons why you should join

Carriage House Insurance

Commercial Finance - 0800 735 1504

Equestrian Direct  *

Equestrian Mortgage

Equestrian Property

Horse Box Finance

Insurance for the over 16's - call The Veteran Horse Society for more details 0870 2426653

KBIS

Millin Insurance Services - Private and Commercial

NFU Mutual

PetPlan Insurance - Full illness and injury cover for horses upto 25 years old *

SEIB - offering travel insurance should you need to cancel your holiday due to horse sickness etc

Shearwater Insurance - also offers Personal Accident Insurance and Trailer cover

The Organisation of Horsebox & Trailer Owners 

 

Most insurance policies now extend to include complementary or alternative treatments eg acupuncture and homeopathy, but do check to see HOW much cover you have.

* Insure your horse in it's 16th year with Equestrian Direct, Petplan and AM Trust - and they will continue illness and injury cover until the age of 20.

INSURANCE - IS IT WORTH IT?

There is still a limited range of cover available for the older horse and it is important to realise that they are more prone to some diseases and illnesses than younger horses. The prime example of this is arthritis – in horses often referred to as degenerative joint disease (DJD). As the risk of developing this, insurance companies will put a maximum age limit on their policies after which they will no longer cover the risk.

THIRD PARTY INSURANCE

This is a MUST especially if you choose NOT to insure your horse. This covers you if you are found legally liable for an accident of someone is injured as a result of an incident involving your horse.  Cover can be obtained by being a member of the British Horse Society

TOP TEN TIPS

1.     Research the range of insurance available and the costs involved before deciding. Look on the internet for information

2.     What activities do you plan to do with your horse? This will affect which insurance cover you purchase

3.     Talk to a few insurance providers. You are the customer so they must be helpful, knowledgeable and have good customer service. Perhaps a fast claims service could be more important than price to you

4.     Arrange for your insurance cover to start as soon as you collect your newly purchased horse. Transportation and turning out with new companions can be risky at first

5.     Identify which area of cover are vital to you and which you may not want. Savings can be made as your tack could be coverd on house insurance

6.     Ensure the insurance company has a good reputation. Although the selling agent must be authorised - the insurance underwreiting the policy does not have to be

7.     Compare the literature of a few insurance companies. Are the terms and conditions easy to read and understand?

8.     Make sure you know what is and isn’t covered for each insurance benefit. Not all insurance companies are the same

9.     Check the excess – the amount you will have to pay is you make a claim. This varies between companies but typically the more you are willing to pay as an excess, the less you pay for the policy

10. Finally speak to as many horsy people as you can regarding their problems and experience with insurance companies

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