I haven’t had a horse in years so don’t feel clued up in insurance in the slightest. We’ve just bought a new pony.
Both my dd and I have BHS gold membership.
New pony is insured for vet fees and I added public liability on an NFU policy. Adding public liability added a massive £120! And I’m wondering now if i actually need it on the NFU policy?
I don’t want to overinsure and pay more for the same thing? But I do want to make sure The pony is covered. Pony is kept at a friends house. Friend will be helping with pony. I want to make sure that I’m covered if he does any damage there. Kicks out at her car etc. And also if he escapes am I covered? I suppose j just feel a bit confused as with the NFU policy it is the specific pony that js covered whereas BHS is me and dd and we aren’t always the ones handling/riding....
Any help would be much appreciated