Who pays for what?

[PaulaAtMummyKnowsBest]

We are putting DDs pony out for full loan.

Normally, who pays for what?

I want to be fair and have everything written down clearly so there is no doubt.

What happens if she somehow "brakes" the pony? Does she just give us back a damaged pony and walk away? The girl who will be loaning said that with her last loan pony, she paid for shoes, food and livery costs and everything was for the owner. Is that how it normally is?

*breaks the pony even

It's up to you, download a loan contract from The BHS
My main advise is to insure the pony yourself for vets fees death etc as if you depend on the loaner and they don't do it they can return a broken pony and so all the bills to you. Also if they'd do return the pony (or if you want it back) any claims that have been made would then be excluded when you insured i have no idea if that makes sense but do it anyway
I suppose what you need to accept and realise is that if you are not selling the pony then ultimately it is still your responsibility whatever happens.
If the loaner breaks the contract it would be hard to enforce but you could probably go through the civil small claims courts is you wanted to. A contract saves the arguing ablution who pays what and how/when/why the pony would come back to you.

We've loaned 3 times now and used the BHS agreement and tweaked it.I pay for everything,and sent a copy of the insurance policy to the owner so she knows he is covered.On the BHS agreement it states that if the pony is unable to be ridden for 4 weeks or more,I am within my rights to return him.I was surprised at that and didn't ask for it and to be honest,I don't think I would as it doesn't seem quite fair.

I have had horses on loan twice now. Both times I have paid for everything. The only exception was insurance. The first horse I had the owner paid the insurance. This time round the owner still pays it and has retained control over the insurance policy, but I pay her for it. She had to inform her insurance company, and they suggested doing it that way to her.

I have the same clause as Mirage, that if the horse is lame for over 4 weeks he can go back, and I agree it doesn't seem fair.

Did you also pay the vet bills for teeth and jabs?

Yes, all vet bills including the excess when the vet had to treat an injury.

My loan horse we pay everything bar his insurance. There are loan forms you can use online. My boys owner also keeps open access to him for visits, which is fine by me, it might not suit everyone.

I have loaned my horse out to a lovely man for 4yrs now. I used the BHS loan agreement too - really easy to adjust it to suit you. Include any equipment you are sending with the pony - saddle, bridle, rugs etc. I expect to get my stuff back at the end of the loan in decent condition obviously allowing for wear and tear (maybe not the rugs!!).

You can also stipulate certain requirements - eg my horse needs to have natural balance shoes.
I pay for insurance and my loaner pays for everything else, feed, livery costs, shoes, wormers etc. I suggested to him that if he were to need to claim on vets insurance we would go halves on the excess which he was happy with.
Basically tho, if your pony injures himself whilst on loan, the loaner can return him to you with the usual notice period. The loaner has no responsiblility to compensate you in any way, even if your pony got some injury and could never be ridden again.
Thats really the risk of loaning, the owner always has ultimate responsibility for the horse. Be really, really sure that the person loaning your horse is reliable and will care for your pony as you would like.
There are a lot of scary stories about horses 'disappearing' on loan - getting sold on, or being badly treated, abandoned in fields etc.

Check everything if you don't know the loaner personally. Get vet references, yard references, PC references etc Make sure you visit regularly too. Don't want to scare you but you have to be a bit careful!

We are happy to allow our pony's owner to come and see him whenever they want. They've only been once,but we are in fairly frequent contact by text,and did ring and speak to our PC instructor for a reference before the pony came to us. I pay for everything,worming,shoes,insurance,jabs,basically treat him as though he was my own.

The horse is staying at our current yard so not only will we be able to keep an eye on him, the yard owner and everyone else will be able to keep an eye out too.

Thanks for all of your help. The horse is currently insured through pet plan and I will keep that running. Initially the loan will just be for 6 months and then we will reassess after that.

I have loaned twice in the past and paid for everything, except one pony had cushings and the owner paid for the pergolide.

I downloaded the BHS agreement and tweaked it to fit our shetland. This included that she was NOT to be shod, or fed anything without my express permission. (She was a fatty who lived out 24/7. )
It also specified she was to be insured and IF YOU BREAK IT YOU FIX IT!
loaner pays for everything.