What kind of Horse Insurance Do I Need for my Horse ?
A good horse insurance for keeping and driving a horse is highly recommended.
On the other hand is modern traffic becoming faster and denser, resulting in careless and impatient motorized vehicle drivers. A lot of drivers are overwhelmed with the presence of a horse drawn vehicle taking part in traffic and simply do not know how to deal all of a sudden with this new situation: accidents will happen.
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Consider the following options for your horse insurance:
Third party liability insurance
This is an absolute must-have: due to a decision in the Houses of Lords a horse keeper or owner is now liable for any injury or damage that his/her horse causes or does to other people regardless, whether s/he is negligent or not.(UK law)Check, if this is covered and included in your house owner insurance policy.
In case of an accident or a disease/medical condition that needs to be investigated more thoroughly, e.g. in a specialized clinic can hit horse owners unforeseen. Medical cocts usually grow sky high in a very short time; veterinary examinations and visits, referrals to a clinic, special diagnostics, OP’s and stay over days to weeks in a horse clinic, expensive treatments and drugs etc…and finally a long recovery time, where a horse cannot be used.It is recommended to insure your horse against:
All Vet Fees
If you get a vet bill, you, the insured, will usually have to pay an excess or a percentage of it and in general the amount of the cover for any particular condition is limited. After a condition was treated it may be excluded from the insurance policy in future years, especially if it is a recurring condition.
Catastrophic Vet Fees
These are veterinary surgeon's fees up to £5000 (in the UK) per incident.
Loss of UseLoss of use is classified into two categories:
The premiums for loss of use against AEI are very competitive and therefore worth to consider.
Mortality Only Insurance
To insure a horse for this sort of cover, the insurer usually requires a 2-level-vetting certificate.
A Horse trailer- or horse box insurance is a good cover to have, if you transport your horse/s often and over far distances. See that link for further information on this important issue.
There are a lot of separate policies available and you can match them to suit your personal needs.
Note from the Author
This information about horse insurance applies to UK law only. I cannot guarantee that the given information is complete. Before applying for or buying any policy, please allways read the Terms and Conditions of the concerned insurance companies carefully.
Thank You for Your understanding.
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Do not forget your horse trailer/box!