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.
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 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.