insuring horse, can you help?

[mysterymoniker]

am only worried about vets bills - eg the prospect of not being able to afford colic surgery or something like that

do not care about loss of use, tack, blah blah well obviously I care but main purpose of insurance is to reduce risk of being in the awful position of, well you know what happens when you have to make a decision about these things

struggling to find a decent (under £300) quote because nobody seems very keen on working livery - just wondering if anyone can either recommend an insurer for these circumstances or knows how to trim premiums, perhaps by pretending horse is worth less than he really is?

thanks in advance

Who have you tried? If you get hold of a copy of Horse and Hound in the classifieds there is normally loads of ads from insurance companies- might give you a few more to try (I can post you an old copy if you like ). AIMS are certainly one worth considering 0800 834866.
Personally I use Pet Plan as they offer a multi-pet discount, I think that can include any animal insured with them. Another way to reduce premiums is to become a member of The British Horse Society. For around £50 per year you get 3rd party liability cover plus other benefits and then you can knock it off the horse insurance.

Just remembered,the other thing Pet Plan offer is a high excess policy. It gives a cheaper premium but you obviously have to pay £500 excess instead of £125.

Who have you tried? If you get hold of a copy of Horse and Hound in the classifieds there is normally loads of ads from insurance companies- might give you a few more to try (I can post you an old copy if you like ). AIMS are certainly one worth considering 0800 834866.
Personally I use Pet Plan as they offer a multi-pet discount, I think that can include any animal insured with them. Another way to reduce premiums is to become a member of The British Horse Society. For around £50 per year you get 3rd party liability cover plus other benefits and then you can knock it off the horse insurance.

Just remembered,the other thing Pet Plan offer is a high excess policy. It gives a cheaper premium but you obviously have to pay £500 excess instead of £125.

aaahhhh pet plan equine

yes, am doing it now!

£5k per incident/illness is best they are offering online but at least they don't mind working livery and it just sneaks in under £300 and with this special offer is only £25 a month

have only insured him for half the purchase price, but it's not really his monetary value that matters, it's his health and well being really

thanks

(feel SO relieved, now can pay the last instalment on him and fully transfer ownership)

Glad I could help .

Would def recommend Pet Plan. Use them to cover my 8 yikes smiley and they have always been very easy to deal with when you need to make a claim.

8!

Have you tried NFU? I got a quote from them... But I use SEIB for mine. Not tried Petplan tho.

I've bought the petplan one now, 12 months for price of 11 so am quite pleased with that

found out today that previous owner let his vaccinations lapse tho so starting those again tomorrow, it doesn't really end does it?

It never does end- it's not all that different from having an extra child in that respect!

(8 are 6 polo ponies, 1 hunter and a now very old ex-dressage that now lives an easy life in the field with a few gentle hacks but costs more in vets fees than all the others combined!)

polo ponies!

polo lessons are on my to do wish list

Polo is brilliant. Have only tried it a few times but so wish I had the money to have more lessons. Also, is anyone available to talk about buying a horse this year? Am so trying to talk myself out of it but it's an obsession. I know all the pros and cons as have owned horses before but so desperately, and unreasonably, want one again. Anyone know of good livery yards in East Surrey -need at least part if not full livery.

I think we should all buy more horses!

I want a pony too, one horse between 3 daughters and me is not really enough - £££ though, not so much purchase price as feeds and livery etc

post a lovely long description of the sort of horse you want and all your pros and cons so I have something nice to read when I get back?

Oh, I know - my last horse also ended up at the equine hospital at Liphook and insurance only covered half the costs. He was there for six weeks. My two daughters ride and I should really be thinking about a pony for elder daughter but I very selfishly am not. My latest insane thought is I'll buy a youngster, bring it on and my elder daughter can ride it in a few (about five years) .....

Okay. I WANT (have been looking for over a year) an anglo-arab gelding aged two years plus. Preferably black/dark bay and bred to event, between or to make 15.1 and 16hh. I know they are very hard to find and the reasons I shouldn't be looking for exactly that. However, it's what I want ....

Adding pros and cons.
Cons: time, money - particularly short on time, elder dd would LOVE a pony so would feel guilty.
Pros: desperately miss having a horse, want to bring on another youngster, dds would MOST probably ride it when older, they are also v sweet and would love me to have another horse, miss competing and just owning a horse. Have friend with a yard but really need some livery support so probably couldn't keep there.

ahhh

you should do it, life is so short - maybe find a yard first?

ooh that is a lovely sounding dream horse. If you do find it you have to buy it or you'll kick yourself forever - at least if you get it, it can kick you instead

(Was IsaacsFabMummy but had a new horsey board name change in celebration)

Oh, thanks re replies. I have started putting out feelers for both horse and yard. It is doable and am determined to make it happen this year. Is my little pony the new horse board? This weather is awful - am going to muck out a bit later but menage is frozen and lanes too slippy. Our boiler has collapsed so not much warmer in than out, though. We do have a wood burner which helps.