What level of insurance should I get for my horse?

We often forget about ourselves, the rider (or driver, etc) when picking out our horse’s policy. It’s not surprising with so many factors to consider just for our horses! In some cases, the horse or pony’s policy will actually provide cover for the rider as well. It’s important to keep this in mind. Because, if your horse’s policy doesn’t provide you with cover, you’ll have to consider whether you need to take out a separate insurance policy for yourself, on top. 

Don’t forget…

Always, always read the fine print of your policy to make sure you know exactly what you’re getting. You certainly wouldn’t be the first to get caught out by unwanted surprises further down the line. But these can generally be prevented by thoroughly reading through the policy details. Try not to be swayed just by the price of the premiums or excess. Obviously these are important and you do need to figure out what is a sensible amount for your individual situation. But your insurance is no help if it doesn’t give you the cover that your horse needs. 

It’s a good idea to choose a company who specialises in equine insurance, they’ll generally have more experience dealing with such claims as opposed to a general provider. On a final note, whoever you choose, make sure you check that any provider is registered with, and regulated by, the Financial Conduct Agency (FCA). The FCA ensures that the company conducts itself appropriately, and all insurance firms must be on the register, however, it’s a good idea to check, particularly for lesser-known providers.