Only have bhs for the third party cover. If something goes wrong with one of the ponies then I will hit the savings or a credit card. Insurance was costing around £450 a year per pony, that's £900 for my two riders without even looking at paying out of the youngsters! Cheaper to insure my beemer!
Any horse coming over the top of me through the gate would get belted in the head with the headcollar. They are to big for that s***! **runs and hides**
If money was no option I would be all alone. In the middle of nowhere. No friends. Just a bunch of dogs and a few horses. Bit like crazy cat lady but with dogs.