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Protect your Horse today - Get multiple quotes

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Horse Insurance Quotes - With Third Party Option

Need insurance for your child’s first pony, a competition horse or veteran horse we can provide you with multiple quotes in minutes. How ? Simple select the Quick Quote and complete a simple online inquiry form. We make it simple! Horse and pony insurance providers will send you an individual quote, leaving you to choose a policy the best meets with your horse insurance requirements. We provide quotes for equines of all age from pony to horse and mature or veteran horse.

Why Horse Insurance ?

Horse insurance like any insurance is based on the premise that you wish to transfer the financial risk in the event of loss, illness or an accident to another party. In this case a broker, but for this to work to the mutual benefit of both you must pay a fee. This fee is referred to as an insurance premium. As the premium is significantly less that your possible liability, insurance is an attractive option to cover valuable items or a loved family horse

Equestrian Insurance Explained ?

The key to understanding horse insurance is understanding that your horse can be insured for different eventualities as follows:

  • Horse vet fees insurance : This is a popular option as fees can be catastrophic. Most broker will let you choose the excess amount. the excess is the amount of fees that you would become liable for in the case of a claim. The amount of vets fees covered range from small amount normally less than GBP100 to catastrophe cover, which the broker will assist with fees over £500 and beyond.
  • Loss of use or permanent incapacity: This is cover for long term loss of use only, not short term when a horse is recovering or convalescing from an injury or illness.
  • ARM :  or all risk mortality protection should the horse need to be put down to reduce suffering.
  • Theft: this explains itself, but read the small print as you will have an obligation to reduce the risk of theft

What Horse Insurance can cover

Horse Vet fees Insurance

When you take your horse to the vet for medical treatment it can work out very expensive. This is the very reason you should consider taking out Equine insurance. Horse insurance terms and associated costs are worked out on range of factors age being a key factor. Check the hospitalisation terms of each policy carefully before choosing a policy that will give you on going peace of mind should a trip to the local vet or a call out become necessary.

Loss of Use

If your horse was a source of good income you should consider what would happen if that were to stop suddenly. This is why it is prudent to take out a policy that gives protects against loss of earnings.

Horse Mortality Insurance

In the unfortunate event of your horse succumbs to a terminal illness or a fatal road accident , your horse insurance policy with a mortality clause will step in to shoulder the associated costs and some underwriters will pay the full value your horse (terms & conditions apply).

Public Liability

When your horse accidentally causes accidents or damages to another person’s body or property, you are responsible for reimbursing the injured person for the losses that he suffered. When the opponents make a claim against you and your horse at the court, you may be asked to pay a huge sum of money towards compensation by the legal attorney. When you have personal liability insurance, you are saved from this trouble because this policy covers the compensation that you need to pay and also your legal expenses, thereby providing you immense mental relief.

Horse Insurance Exclusion

Insurance policies are renewed on an annual basis. However, if your horse has had a problem during the previous 12 months the insurance company have the right to impose some further restrictions on the policy cover. This would normally result in excluding further claims against similar or related problems. It may seem unfair, but it is also the same approach they take when you first take out an insurance policy.

Horse Insurance Extras

Your base pony insurance policy can be added to provide more comprehensive cover below are some of the extras that most brokers will include if requested into your horse insurance policy.

  • Dental Cover: Dental costs can be expensive and should be considered when taking out either rider or horse insurance.
  • Permanent Loss: Unfortunately on some occasions and illness or disease may permanently prevent your horse from performing or provide the service initially bought for. In such situation you most likely will need to buy a new horse to take the place of the injured animal. As such it may be worth considering add additional cover to help compensate your out of pocked expenses.
  • Tack and Saddlery : These items are fairly expensive making them prime for being stolen. Why not get cover to cover the costs in the event they are stolen , damaged accidentally or damaged by fire?
  • Public Liability : This is cover that will protect you from claims from a third party for damages and costs.
  • Personal Accident : This policy or add on will provide compensation in the event of injuries, disability or death caused by an accidental. It is different the same as life or medical insurance.

Check to see if the policy includes disposal costs, which can be expensive and can make a heartbreaking situation even harder.

Compare the cost of  Horse Insurance

Most providers of horse insurance are flexible letting you pick and choose which elements you need included or wish to exclude. We can provide you with a range of quotes from a panel of UK horse insurance brokers. All that is needed is: 

  1. 1
    Share some basic details about the horse
  2. 2
    Share some contact details
  3. 3
    Pick and choose any additional benefits, which are optional.

Compare Horse Insurance

Protect your Horse today - Get multiple quotes


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