All in a tizz over insurance...helllpp!

[ChestnutConvert]

I have just done 2 online quotes for horse insurance, KBIS and PetPlan. There is £200 difference between them which seems a lot.
I am wondering if i have put done all the things i need? I am a gold BHS member so not gone for public liability but is there anything else i should or shouldn't cover for??

 

[Orson Cart]

I am simply covered for vets fees and disposal with our insurance - and liability, but you already have that.

Loss of use or tack didn't really apply for us as it's a mini shettie!