As we find ourselves in uncertain times, many people’s financial situations have changed, along with the insurance needs for some.
While we are living in uncertain times we understand that looking more closely at your finances may be necessary, we therefore, wanted to offer some guidance on the possible alternative insurance solutions, as well as ways you can adjust your existing policy to reflect your current needs, saving money at the same time.
The following options explain firstly some standalone levels of cover to enable you to insure your horse for what you feel is most important, as cost-effectively as possible. Secondly, there are some ways you can adjust your existing policies to make valuable savings.
When it comes to horse insurance, it is not always about purchasing the highest level of cover. It’s about having a level of cover you feel happy with and at a premium that you feel comfortable paying. This is why we offer a range of more affordable insurance solutions in addition to our most comprehensive insurance options.
Our Catastrophe Cover is an affordable veterinary fee option that can be purchased as a standalone policy for just £300. This unique option includes vets fees up to a maximum of £7,500 in total during the policy period with a 15 month claim period. The cover is for accidental, external injuries only (i.e. involving an open wound), plus the inclusion of three life saving veterinary procedures; Colic surgery, joint or tendon sheath flushing as a result of sepsis, and surgery for pastern or pedal bone fractures. Cover is available for horses aged 90 days to 20 years.
It offers an alternative solution for those looking to have some form of insurance in place against major, lifesaving veterinary treatment for a much more affordable premium.
If you would like to go ahead with taking out standalone Catastrophe Cover or if you have any queries, please call the office on 0345 230 2323 and a member of our Equine Team will be happy to assist. If you would like a quote including mortality cover, you can obtain one online here, selecting our Leisure Scale B vet fee option. Please note adding mortality cover will increase the policy premium.
Our Open Wound Only cover is an alternative veterinary fee option that can be purchased as a standalone policy for less than £225 per year. This level includes vets fees up to a maximum of £3,000 per incident which is unlimited within the year for accidental, external injuries involving an open wound only. This means there must be a visible break to the skin in order for a claim to be considered. The claim period is 15 months from the onset date and cover is available for horses 90 days to 30 years.
It offers a solution for horse owners looking to have some form of insurance in place against situations that require urgent and costly medical attention.
If you would like to go ahead with taking out standalone Open Wound Only vets fees or if you have any queries, please call the office on 0345 230 2323 and a member of our Equine Team will be happy to assist. If you would like a quote including mortality cover, you can obtain one online here, selecting our Leisure Scale A vet fee option. Please note adding mortality cover will increase the policy premium.
Public Liability insurance protects you against claims made by third parties for property damage or bodily injury, caused by your horse. Even if your horse is not in your direct care at the time, perhaps friends or family are helping care for your horses during the current lockdown, under the 1971 Animals Act you as the owner can still be held responsible for the damage caused by your horse.
Standalone Public Liability policies can be purchased from just £47.04 per year. If you are looking to insure your horse for veterinary fees or mortality cover, Public Liability cover can be added to these policies from just £16.80 for the year.
Adjustments to Existing Policies
If you are not keen on making such a significant reduction to the cover your horse has, you may want to consider: