Why insure your horse or pony?

The cost of treatment often far exceeds that of insurance!

Being a horse owner means you are 100% responsible for the welfare of your animals.  But that can come at a price and often a large one if you have to deal with a sick or injured horse.

Understanding the basic terminology of equestrian insurance

  1. Third party liability
    This should be the bare minimum insurance you take out when owning a horse.

    Any incident you and your horse are involved in will be covered by third party insurance allowing the injured party to claim from your insurance.

  2. Veterinary fees
    This cover means that after you , the policyholder has paid the excess, the insurer will pay the remaining vet bills as per the agreed claim.  Based on the terms of your policy the insurer will cover ongoing costs but this has to be confirmed with your insurer.

  3. Total loss cover
    An insurer will pay the current market value of your horse due to sudden death or disappearance.

  4. Permanent loss of use
    Your insurer will cover the treatments necessary when investigating the proposed problem, but in addition they will pay out if it is deemed that the horse will never be capable of partaking the activities it previouslt engaged in.

    Your insurer will advise you on the specifics relating to a claim for "Permanent loss of use".

  5. Personal accident
    Another important fact of cover is being protected for yourself and any helper or shared rider involved with your horse.  Cover is usually for permanent disability or death.  Additional extras can be added to your policy to increase cover.

What will not be covered?

Excess is the first amount of any claim that the insured has to pay.   This is decided when you first take out the insurance cover.

Routine work or regular vets fees are not covered.

Your insurer may apply specific exclusions to your policy at the renewal.

Looking into getting a quote

Get quotes from several companies, but before you do prepare the information that they will ask for to help speed up the quote process.

Make sure you get answers to all the questions you can think of based on your own experience or that of friends.  In particular:

  • Up to what age is illness covered by the policy?
  • How much cover is provided for diagnostics and complementary treatment?
  • What is the Veterinary Fees excess?
  • Will the insurer pay the Veterinary Practice direct?
  • Will the premium increase if a claim is made?
  • Do I need a pre purchase examination (vetting)?
  • Ask for a sample policy document and read the inclusions, exclusions etc.   This could help you understand why their policy is cheaper.
  • Get feedback from friends who have used insurers and in particular ask them about their experience of dealing with claims via given companies.

Written by undefined at 25/04/2013 14:03:57


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