Switching pet insurance providers
Vet bills can get expensive and it’s not uncommon to hear pet owners complain they’re unfair but when you.
Read more20 May 2021
It’s not uncommon to feel daunted when it comes to insurance, even understanding what’s a legal requirement and what’s recommended isn’t always obvious. When it comes to insuring you, your horse and all your equine equipment, it doesn’t always become much clearer. As we’ve got over 40 years of experience insuring horses here at Petcover, we wanted to answer all your questions and maybe even address a few you hadn’t even thought of.
Horse or equine insurance is the general term for cover for anything to do with you and your horse. The insurance policy will ensure you’re compensated in the event you experience a financial loss to do with your horse.
This can then be broken down into several specific types of equine cover:
Equine liability insurance can vary between insurance provider and policies offered but the bear minimum will make sure you’re covered if someone seeks compensation to cover damage caused by your horse. The policy should cover any compensation awarded and any legal costs associated with the claim.
Whether your horse is just used for your own personal recreation or it’s a working animal, horses can always be spooked. Due to their large size, they can injure themselves, you or anything and anyone around them for which you can be deemed legally responsible for. Even the most cared for horses can escape grazing fields with a little determination so make sure your liability insurance covers:
The cost of equine insurance will be 100% dependant on your individual circumstances and is often added as a policy extra to an existing insurance policy. Some insurers will offer it as a stand-alone policy.
If you often ride a horse you don’t own, always check with the horse owner before you go out. Any reputable riding stable will ensure the cost of the liability insurance is included in their fees and you should never be asked to sign anything saying you’re accountable for any liability.
Legally, you’re not required to have liability insurance for your horse, but it is strongly recommended by any responsible horse owner. It is not just in the best interest of the horse, but the owner too. No matter how certain you are about your horse’s behaviour, they’re still an independent animal with their own minds.
You cannot guarantee a trespasser wouldn’t leave a stable door open and you cannot guarantee courtesy and consideration from members of the public and other road users when you’re out on your horse.
Petcover specialises in offering quality, straightforward pet insurance with a range of policy options that suit your needs. Whether your pet is big or small, furry or scaly our range of cover options are packed with added benefits. Accidents can happen at any time and the reality of veterinary costs can come a quite a shock. With our range of cover levels for dogs, cats, horses and exotic animals, why not get a quote today.