The Not-So-Secret Diary of Diva the Shetland Pony - Floof!
18/04/2024Diva (Melland Queen of Scots) usually gets her summer coat quite early compared to other horses and ponies, but this year she has been holding onto hers for a lot longer.
Owning a horse can be one of the most rewarding and enjoyable parts of your life but it’s also a huge responsibility.
Under the Animals Act you can be directly liable for any injury or damage caused by your horse, which is why, at Equesure, we have a range of policies available aimed to suit your requirements and budget.
Why do I need Horse Insurance?
Regardless of purchase price, a horse is a major financial investment and with equine husbandry costs rising, it’s an incredibly sensible option to insure your investment and much-loved extended member of your family. Horses are notorious for getting into scrapes and if something major were to happen, insurance could save the day on hefty financial outlays for vet bills and hospitalisation.
It’s important to know what your priorities are when thinking about insurance, not all policies offer the same level of cover for the same price so just because one premium is cheaper than another, that does not necessarily mean the cover being offered is suitable for you and your horse. The best way to think about your insurance needs is based on the cover you need first and premium (£) second otherwise you may end up heavily out of pocket if a big vet bill comes in, but your cover isn’t high enough. Saving a few pounds today in premium could cost you thousands if you need to claim in the future so try and investigate at all cover levels available before purchasing so you know you’ve made an informed decision and the cover is right for you.
For example, if you choose to insure your horse for light hacking only and you attended a one off show jumping event, if your horse were to injure itself, you may not be covered and will need to cover the vet bills yourself.
What level of Horse Insurance do I need?
The levels of cover available for your horses depends on a number of factors such as your horses age, the intended use of your horse, your horses value and where your horse is kept.
Happy Hacker
Horse insurance
Insurance for Leisure horses and ponies in light work such as gentle hacks at the weekend are one of the cheaper levels of cover due to the lower level of risk that is involved.
Competition Horse
Competition horse insurance
Insurance for horses and ponies that are competing at Affiliated or Unaffiliated events can vary in price as it’s based on the activity itself. Some activities are classed as a higher risk than others and the higher the risk, the greater the chance of injury during the activity. At the time of quoting, please do advise us of the level of any activity you’re intending to participate in throughout the year to ensure you obtain the right level of cover for your needs.
Veteran
Insurance for veteran horses and ponies might be considered a cheap option since they may not be participating in the same level of activity that they once were, however, veteran cover only covers for external injuries not diseases or illnesses but it is still a sensible idea to protect your forever friend against these potential risks.
Can I insure any type of Horse?
Yes! The breed doesn’t affect the insurance premium cost at all, the direct factors that influence the cover offered and the price are your horses age, the intended use of your horse, your horses value and where your horse is kept. So don’t worry about the breed, we can even insure Donkeys and lots of Shetland ponies!
With all Equesure insurance policies, we encourage you to give us a call on 01480 220089 during our normal office hours or complete the ‘request a quote’ form and we’ll be happy to call you during our normal office hours to discuss any questions you may have. No query is too small or large, we’re here to help you find the best protection for you, your horsebox, and your horse.
Why choose Equesure for Horse Insurance?
Equesure are equine insurance experts, our agents have 60+ years combined equestrian knowledge and will endeavour to find an insurance policy, tailored to your needs, for you, your horse or your Equine transport. Working with a panel of insurers, Equesure offer clients Equine insurance solutions with various cover options that will hopefully meet your demands and needs at a price to suit your budget. Given our agents extensive Equine knowledge our agents understand your needs, and this makes the process of obtaining Equine insurance a quicker and more enjoyable experience for you.
Horse insurance arranged through Equesure can cover up to the sum insured of £50,000 and provide up to £7,500 per incident towards vet fees. Equine insurance policies can also offer additional cover for personal accident, saddlery, and tack as well as public liability cover of up to £3 million. We can arrange cover for foals (31 days old and older), veteran horses and can consider any type of activity or use so why not give us a call on 01480 220089 during our normal office hours or fill in the ‘request a quote’ form at the top of the page and we’ll call you to see if we can help.
Horse Insurance Features & Benefits can include:*
- Choice of cover to suit most budgets
- Vet fees up to £7,500 per incident
- Personal dental cover available on some policies up to £1,500 if required
- An additional benefit for insuring more than one horse
- Saddlery and tack cover available
- Horseboarding cover available
- Personal accident up to £20,000
- Public liability up to £3 million
- Loss of use cover available with all insurers
- EU cover/usage available
- Death, theft or straying of horse
*Policy benefits and features offered may vary between insurance schemes or cover selected and are subject to underwriting criteria.
How to get a Horse Insurance quote
To obtain a Horse Insurance quote from Equesure, please fill in the ‘request a quote’ form at the top of the page or call us during our normal office hours on 01480 220089 and we’d be pleased to assist you with your needs.
