A friendly debate

An acquaintance loaned a very nice but unsettled horse loved it and put in alot of time and work, and qualified for HOYS as a Hack, and was looking forward to this. Owner rang them and gave them the one month notice required and took the now much improved horse back.
 
I agree, although i think that the horse should come with a full set of well fitting tack. If the Loaner decided to buy a new saddle for competing etc then that is their choice, but if the loan is for a set time, say a year, and the saddle no longer fits, then personally if it was me loaning out the horse I would pay for the new saddle as eventually i would be having the horse back and would need a saddle.

Hmmm just read that back not sure it makes sense but hey ho!
 
When I had a horse on permanent loan the owner chose to insure her but I paid for any excess or standard vets fees and obviously everything else relating to the horse
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If I loaned a horse I would not want it to come with anything - read so many arguements about items when the horse is returned and I would insure it for vet bills.

But I really wouldn't want to loan a horse. I would much rather buy a really cheap horse and ride that. Then it is mine, and all the decisions I make I am accountable for and I have no other owners to worry about.
 
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If you loan a horse (loaner or loanee) and EXPECT things to be a particular way, you are being naive and asking for trouble. It's such a grey area people should not rely on expectations, but should discuss everything in advance and put it in writing. If they do that, any agreement the two parties come to is fine by me!
 
I have loaned out many horses, and I always ensure that I pay the basic insurance...why you may ask - well if the horse drops down dead then I want the money for it, as the owner! Also if said horse is suddenly injured and dumped back on you, at least you know you have your insurance ready to pay for any vet treatment. Am owner should always ensure they have their own insurance IMO, and then ask for a contribution if necessary.
 
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For chesnut cob
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and anyone else who fancies it!

Heres something i wrote on another thread. Do you agree/disagree/want to debate something else?
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IMO if you loan a horse then you are responsible for vets fees, unless agreed beforehand that you split them or the owner pays. Full loan means you are responsible for the horse- everything from buying a saddle to vets fees. Why should the owner pay? If they offer, great but i find it really annoying when people with horses on loan EXPECT the owner to pay for things.

If you buy a horse you wouldnt expect the last owner to pay for the ves fees, provide tack or give you hay. Whats different if you loan it? (short term loans/sharing are a different matter)

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I disagree actually. I would pay vet fees on any minor problem or injury that arose whilst in my care - but if it became apparent that the problem was more severe (so in the case that this quote comes from, Kissing Spine), then that is the owners responsibility. Same for things like navicular etc.

I would also expect the loan horse to come with a full set of tack and a wardrobe. But if I wanted anything additional to what was provided, then I'd buy it myself.

Loaning is inherently different from purchase, so the two can't be compared. Loaning benefits both the owner and the loanee - but the ultimate responsibility lies with the owner.
 
I agree, everything should be agreed in advance. I had a horse on loan for over a year, I paid for everything. I bought rugs/tack (she only came with a bridle and a bit) but I knew this upfront and was happy to take on this investment for the right horse. People are naive if they think that an agreement is not required laying out who will pay for what and how the horse will be returned, no assumptions should be made as this where the problems are bound to occur.
 
I don't think it really matters what is or isn't provided with the horse as long as both parties understand what the agreement is and agree.

Personally I wouldn't want to buy an expensive saddle for a horse that might be whipped out from under me at little or no notice as you would be bound to loose money. But then I also wouldn't want to spend a year or so schooling a horse and getting it right for the owner to take it back and sell on for a profit which has happened to people I know who have loaned!
 
My oldie was originally a loan horse, I paid for everything, including the surgery when she broke her leg, it did not occur to me to send her back to her owner, to me it was about the horse, after all the accident occurred whilst she was in my care, I loved her and just wanted her field sound, I was on DIY at the time. I also bought her saddle etc as she came with nothing. The owner eventually gifted her to me.

I have a pony out on loan and the loanee pays for everything, barring insurance, which I pay, I had it written into the contract that the loanee was responsible for any uninsurable losses (excess etc). The pony has now been with the loanee for over 10 years.

I put mine out on loan as I did not want to sell her a lose complete control of her future, if the worst was to happen she would have a home here.

I also find it sad that loanees would return a horse after it has been injured in their care, personally I could not do that as I would feel it was my responsibility.
 
I've done it all ways

My veteran pony is out on loan and I pay his insurance and provided all his tack & rugs. If loaner wants anything else for him she buys it herself. She is responsible for all costs except vets fees for a pre-existing condition which I cover.

When my mare went on loan I again provided all her stuff and also paid for her insurance and any equipment she needed whilst she was on loan...which obviously was returned to me when she came back. Loaner paid all care costs though.

The Mare I have on loan came with nothing and I'm responsible for everything. However if anything untoward happens she will be going back to her mum as she is with me specifically to train and compete

The filly that's with me is on a sort of livery basis, so owner pays for everything except feed
 
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I agree in terms of vets bills unless it's a long standing all ready existing problem, then I would probably expect at least some help.

With regards to tack.....I would expect a loan horse to come with good quality well fitting tack and rugs. If I decided to buy them something then that's my choice but it also belongs to me and wouldn't go back with them.

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^^^ exactly this. I pay everything for my loan horse inc vet, insurance - the owner pays nothing. She came with a complete wardrobe but I recently bought a new dressage saddle for her and that will remain mine if she goes back! The owner and I keep in contact about once a month where I send her photos by email. She bought her to me so she knew where she would be. Owner seems very laid back about it all, seems to trust me implicitly and has been utterly honest about her horse. It has touch wood so far been a perfect arrangement because we discussed everything up front and most eventualities and knew where we both stood.
 
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