Neversaydie
Undecided
Any horses I have loaned out have been insured by me and I pay the insurance but the loaner is liable for the excess or treatment to the value of the excess of the policy.
This meant I knew the horse was insured and also that if they needed minor treatment (I think the excess was £125) they got it. Worked well for me.
I also loaned a horse and the owner didn't insure it so I did, I felt it was more responsible that way and meant that I had the horses best interests at heart. I've always had iron clad contracts for both ways as only way these days to protect myself and make sure he horses are ok.
This meant I knew the horse was insured and also that if they needed minor treatment (I think the excess was £125) they got it. Worked well for me.
I also loaned a horse and the owner didn't insure it so I did, I felt it was more responsible that way and meant that I had the horses best interests at heart. I've always had iron clad contracts for both ways as only way these days to protect myself and make sure he horses are ok.