Midge13
Active Member
Advice please about buying 19 year old horse having loaned for a few months. Only used for hacking and flatwork although very capable of jumping. Any recommendations for insurance? Thanks
Advice buying 19 year old horse
- Thread starter Midge13
- Start date
splashgirl45
Lurcher lover
you need to think about what you need insurance for. would you put a 19 year old horse through colic surgery or other invasive treatment ? , personally i wouldnt. the insurers will charge a hefty premium for an older horse and it may be better to find out how much it would be and do a standing order for the same amount each month to go into a savings account which you only use for unexpected vet bills...i would also apply for a credit card if you havent already got one so you can pay any large bills straight away if you havent built up enough savings...i used NFU for my horse but it wasnt cheap even before she got old..
Midge13
Active Member
Thanks very much.
asmp
Well-Known Member
Or buy something like catastrophe cover. I stopped insuring mine over 15 as it got expensive and lots of things were no longer covered.
https://www.kbis.co.uk/catastrophe-cover/
Midge13
Active Member
Thanks for advice
teddypops
Well-Known Member
Petplan do full insurance for that age of horse, don’t know prices, or they do a veteran policy which is pretty cheap (I pay £9 per month) and this gives £1000 vet fees and covers accident, lameness and injury as well as death and disposal.
Midge13
Active Member
Very helpful thank you.
SO1
Well-Known Member
If it is any help I am with NFU and have a 19 year old and my insurance is £100 a month.
Midge13
Active Member
Thank you for your reply
Red-1
I used to be decisive, now I'm not so sure...
My oldie was insured by Harry Hall this past year. They have various levels of cover.
The only disadvantage was that they wouldn't cover other people when they were riding my horse. I was still covered, so I couldn't be sued, but the rider needed their own 3rd party. That would still have been cheaper, but Rigsby will likely have a few different riders this year, I didn't want them all to have to be insured, so I took out a more comprehensive insurance.
TBH, I still kept the Harry Hall one going as it is with it for the discounts I got over the year on clothes and equipment. It more than paid for itself.
They can cover some vets fees as well as 3rd party, plus tack, disposal etc.
The only disadvantage was that they wouldn't cover other people when they were riding my horse. I was still covered, so I couldn't be sued, but the rider needed their own 3rd party. That would still have been cheaper, but Rigsby will likely have a few different riders this year, I didn't want them all to have to be insured, so I took out a more comprehensive insurance.
TBH, I still kept the Harry Hall one going as it is with it for the discounts I got over the year on clothes and equipment. It more than paid for itself.
They can cover some vets fees as well as 3rd party, plus tack, disposal etc.
Midge13
Active Member
Thanks so much. Will make enquires.
ester
Not slacking multitasking
It is worth mentioning that petplan (might be others) will continue full cover until 25 if the horse is insured with them before the horse is 20. By complete fluke I had done that with mine and I think I kept him on full cover until 23 (he was still doing all activities at that point).
windand rain
Well-Known Member
I don't insure my oldies or maybe not any although might insure Kitten once she is ridden away I have a policy of no colic surgery and limited treatment for lameness so have a credit card for emergencies and third party insurance through BHS gold cover there are a few associations who do third party
Midge13
Active Member
Sounds like a good plan. Thanks very much