Where To Start With Horse Insurance

Sometimes, horse owners don’t know where to start when it comes to taking out insurance. Whether you are looking for cover for a new horse or one you have owned a while, it can seem like a daunting task. Our Horse Team have these useful pointers to help you feel ready to get the ball rolling and get a quote.

  1. If your horse has been seen by a vet for anything whilst you have owned him, even if it’s just for vaccinations, request a copy of his veterinary history from each vet practice that has visited him. The insurance company will ask for this if you go ahead and insure the horse, so having it ready to go is a great help. Similarly, if you are looking to move across from another insurer at renewal, a copy of your renewal documents from the previous insurer will be needed, so try to keep these somewhere safe too. If you are coming to KBIS from elsewhere and the cover you are looking to take out is the same or less than what was offered by your previous insurer, on a Leisure or Competition policy, you will be offered full cover straight away (meaning no limitation period at the beginning of the policy). It is worth having this confirmed when you get a quote so you have this in mind whilst making your decision. There may be other documents insurers need, such as a vetting or purchase receipts, but this will all be confirmed to you at the point of getting a quote so you have all the information you need to make a decision on whether you’d like to go ahead.
  2. Take a look at the options available on our website so you have an idea of what might be best suited to your horse and the activities you are going to do with him. There is no pressure to have come to a decision, but it is good to have made a start on weighing up what cover is important to you, versus what may not be so important. For some, insuring for vets bills is the main priority, whereas loss of animal cover is the driving force for others. As a minimum, Public Liability cover should be taken out by all horse owners.
  3. Look at whether you may need additional types of insurance such as horsebox, breakdown, yard or maybe freelance instructors insurance) that you can discuss at the same time. Even if you are not quite sure what other cover you may need, our team will be happy to discuss your individual requirements and the options available to you. Having all your policies in one place can be a real time-saver.
  4. Try to provide as much information as you can and ensure all information is as accurate as it can be. This will mean there will be no surprises after the policy is taken out. If you send the requested documents across before you take out cover, you will know about any exclusions or limitations that have been applied before you go ahead and therefore you can decide whether the policy still suits your horse’s needs.

Wondering whether you would need a vetting to insure your horse? Check out our article that answers this frequently asked question…

KBIS are one of the largest independent horse insurance providers, offering all types of insurance for the equestrian. If you are looking for horsebox or breakdown insurance, liability cover as a freelance groom, instructor or rider, or require more specialist cover for an equestrian business, property or yard, call us on 0345 230 2323.