Category Archives: Insurance Insight

As riders our main focus is usually our horses and we forget about putting cover in place for ourselves, despite the unpredictable nature of horses. Personal Accident Insurance is, therefore, an important consideration whether you are a professional or amateur rider. There are many different policies available covering personal accident and it’s important to consider […]

There is sometimes some misunderstanding as to why insurance companies require health documentation when a horse is insured, hopefully, this will help to explain why it is required and why full disclosure benefits the horse owner. When a horse is insured it is important for the owner and the Underwriter (the company that takes on […]

Starting a business can be an exciting prospect, however, you have a duty of care to operate as safely as possible. Knowing what you must have by law, whether in respect of insurance or health and safety is important and one will help the other. Liability Insurance The purpose of liability insurance is to protect […]

Breaking down with horses on board is a worrying thought. Knowing the steps you need to take will help take some of the stress out of the situation. Step 1: Your safety is paramount. If possible, get your vehicle to a safe place such as a verge, the hard shoulder, or a gateway. Ensure you […]

What cover does my trailer insurance include? Your trailer insurance covers you for Accidental Damage, Fire and Theft of your trailer, it does not cover any Third Party damage, this should be covered under the insurance for your towing vehicle. Am I covered to take my friend’s horse to a show in my trailer? Yes, you are […]

What does my horsebox insurance include? Am I covered to transport my friend’s horses? You may transport other people’s horses as long a no money changes hands (other than a contribution to fuel/running costs), if you are wanting to be paid for transporting horses you will need cover for ‘Hire & Reward’, otherwise, you will […]

Vets fee insurance is the most popular cover option on a horse insurance policy but it can also be the most confusing. Selecting which level of cover is most suited to your situation can be difficult, especially when there are so many different options available. Below we have produced a simple guide designed to help […]

Losing a horse, whatever the circumstance, is the most difficult thing any owner will face and nothing can help lessen the emotional impact it has. Having your horse insured against all risks of mortality can help with the financial implication of such a loss but what many people don’t fully understand is that unless the […]

Insuring Yourself – What does Rider Insurance Cover? Rider Insurance is a term used for both Personal Accident Insurance and Public Liability Insurance for people who ride or handle horses. These types of insurance cover different risks as follows; Personal Accident Insurance covers you for injuries you sustain while riding and handling horses, these types of […]

The first step to insuring your horse is deciding on the amount you should insure them for, this is referred to as the sum insured or value to insure. To decide on this amount you need to determine your horses Market Value. In the first of our Insurance Insight articles we look at Market Value, […]