Does anyone NOT have their horse insured!!

H

hendrabonnie

Well-Known Member
Joined
20 June 2008
Messages
324
Location
With the Beast of Bodmin Moor
Visit site
After becoming a member of HHO i have realised how important it is to have your horses insured
shocked.gif
so all three of mine are now insured.

Is there anyone that does not insure their horses?
 
We don't have horses insured, but we are insured if they cause an accident on the road or get out of the field and for public liability.
 
none of our 4 insured, except for third party liability which you get through BHS membership. When I talked to Petplan about insurance, they actually agreed with us that if you have several horses, then it is often better not to insure and to be self-insuring. The costs of insuring them all would be over £1000 a year, and we would still need to pay small bills under the excess. And we can pay any big bills we get, so works out better for us just to save the money on insurance.
 
Ditto - public liability only. Premiums are too expensive - I'd rather save the money for emergency funds....
 
A lady on my yard is currently looking at a vets bill of around 6k for colic surgery......horse was not insured. So yes, I insure for vets bills because I am not in a position to shell out thousands at the drop of a hat.
 
1 of mine is only done 3rd party liability. He's currently retired from competition has navicular, and various ligament problems so I am afraid any big vet bill would mean the end for him, smaller ones I'll cover myself.
 
i only have public liability and third party. It does cause me a little worry that she will need a big bill and I'll have to make a difficult decision on whether to pay but I could afford to if I wanted to and so far we haven't. Insurance seems to have so many limits, exclusions etc and the premiums for a coloured cob mare are so high that we made the decision not to.
 
Yes, I have mine insured. I just lost my mare and the vets bills during the time she was sick (about 6 weeks) mounted to about 1100 all told. If the surgery had been viable then we'd have been looking at a total bill with our vet and Robert Eustace of about 5-8k!!! OK so the insurance wouldn't cover it all, but we sure as hell couldn't have!
 
Two are insured, two aren't. We do have the BHS third party insurance, and our land, stables etc are insured.

I'm probably not going to renew the insurance for my older lad, he is 16 now, if anything happens to him or two the 14 year old, we will pay. The old mare is on loan, and not insured by us. The youngster is insured, but only for peanuts as she's a yearling and essentially only worth her stud fee until she's being ridden and has proved herself a bit!

We pay so much on insurance, house, land, businesses, health and sickness, death, dog, contents, buildings, vehicles, trailers, if I added it all up I'd feel quite ill! And I know this is tempting fate, but we never claim!
 
i have made my 1st ever claim this year and all i can say is THANK GOD for insurance ! i pay £37 a month with seib for my boy and its worth every penny !
hes had problems with his coffin joints so has had numerous xrays and never blocks and joint injections and is now going through remedial shoeing with Ian Hughes which is costing £250 a set and he has to have 4 sets ! the 1st part of the bill has just come through at just over £900 and he still has to have more treatment ! im currently buying my 1st house so there was no way i could afford not to have insurance !
 
Only BHS Gold. I know I've been extremely lucky but in 30 years of horse ownership the biggest bill I've ever had was £650, and in total my bills have been around £1500. I'm not someone to call a vet for little lumps, bumps and cuts. The last time I had a vet out (for a new horse who had colic'd but wasn't showing typical symptoms )he was leaving the practice and was having a bit of a rant about their management and treatment of customers. He said that before they go on a callout they are told to ask if the horse is insured and if it is to find a way of bumping the bill up by around £1oo!
 
INce you have Veterans, their insurance has so many limitations, with exluiciosn for anything they have had in the past, and after a certain age, no cover for illness or colic. that you have to be prepared to pay whatever vet bills might happen anyway.
 
Agree about vets asking if you are insured - another reason I dont insure. I want the best treatment for the horse and I dont mind waiting longer for it to recover - so dont need an expensive quicker fix. When you are not insured vets tend to go for lower intervention solution which I think is better for the horse in the long run.
 
have 4 and none are insured, I did look into it but the premiums would be ridiculous, then with the exclusions and excess' applied i would be paying money for nothing!!
If i had very expensive horses and competed it would be different but my lot are happy hackers and a hardened bunch lol,
 
Agree with Tanta. None of mine - I have six - are insured except for public liability. The premiums would be too expensive for that number of horses. When I had just one she was insured with KBIS and they were brilliant.
 
Archie is insured, I couldn't bear it if the worst was to happen and I couldn't afford the treatment he needed. Plus it gives me piece of mind for £25 a month!
 
WOW, it's amazing how many horses aren't insured.
My horse isn't insured, he's only hacked very lightly at the moment.
He's insured against 3rs party liability though. Although when i start riding him a lot i will have him insured.
 
We have third party/public liability insurance but, with six, as said above, it would cost us a fortune. Putting away a fixed sum every month into a high interest account I think is much more sensible in this circumstance.
 
Mine are insured but two are with the company I work for so I have slapped a HUGE discount on! hehe

I would seriously urge people to insure at the very least for liability having just done a renewal for a policy where a horse escaped from a field and collided with two vehicles seriously injuring one driver. The horse was also killed. So far the estimate for the driver injuries are about £60K and liability is still in dispute but if it turns out it is found the horse owner is liable then that bill comes out of their insurance. £60K isn't the biggest settlement either so I would certainly have PL cover if nothing else.

Also know of a new case we took on, people just buying a horse, insured it for £4500, we restrict cover to accidental injuries whilst awaiting any outstanding documents so this horse was on this restricted basis. They new owners went to pick it up and the horse, whilst loading into a trailer broke its leg and was destroyed. As the new owners had insured it they were paid the full amount for the death of the horse even though it never left the vendors premises.

I could go on. Of course it's a risk you may be willing to take and yes insurance can be expensive (although I am unsure about the previous mention about premium for a coloured cob??!)
 
My TB was, but the two little ones aren't - at 22 and 23 I can't get cover, except with E&L, and we all know how valuable their insurance is. So for them, no.
 
wow, I'm shocked too, spesh these days!! :O

mine are insured, happy hackers or not, vets bills covered or not accidents happen and lets face it when comes down to hacking unless something drastic happens those roads are not going to get any safer to use!
frown.gif
no way am I being left high and dry when someone decides to slap a claim in because they decided to skim the side of my horse and it damaged their perfect car, doesn't matter if they're as bombproof as owt, tis a lot of drivers who haven't any idea how to pass horses that can be the problem - or just don't care as believe they shouldn't be on the roads - as have discovered myself, for £150 years ago...it saved me THOUSANDS when my horse was involved in a serious RTA (as in hit her that hard she ended up on the roof of the car - complete with the rider!!) so am of the thought it's money well spent to ensure am well covered in those events - tho the flouro's she also had on helped a HUGE deal too (and it also shocks me how many hack out without, even now).

also mine are kept on a yard that's used by other people, if they escaped and kicked a car it's covered, I wouldn't have it any other way for mine. Scout's covered for vets fees too, I'd NEVER forgive myself if he needed an operation and it couldn't be done because wasn't covered, even down to tendon injury, Pandora sadly cos of her issues she'd have that much excluded by them it wasn't worth it (as asked lol), which does worry me to a degree because knowing that pony.....
frown.gif


am sure the BHS do a liability cover for more than one horse don't they, really there's no reason to not at least be insured for public liability on the roads
frown.gif
 
None of mine are anymore I have a bit in the bank incase of an emergency for vets fees etc but at the end of the day if you were to loose a horse - no amount of money is ever going to make me feel better.
I keep my fingers crossed most of the time and im hugely careful with them.
 
Have never insured a horse. Had a vets bill of about £1000 three yrs ago when lami and sidebone first diagnosed and we had loads of visits, painkillers, x-rays etc.

When I compare that to the amount of money I would have spent insuring my horses in the 31 years I have been an owner, then for me, it's a risk worth taking.
 
I can understand wholly people not insuring for death/vets fees etc but being faced with a liability claim that could run into hundreds of thousands of pounds i would urge people to take that cover as a minimum. Someone near us recently bought a horse and it (why god only knows) jumped out over the field wall crossed a busy main road to the houses opposite but on the way back collided with a 4x4. Luckily neither the horse nor car driver were seriously injured but the owner then discovered they hadn't taken the PL cover on the insurance. I think they were v lucky as assume they will have only had to pay for damage to the car but imagine if someone had been killed/seriously injured?!
 
QR I dont have mine insured anymore, i did have till he got Lammi then got Colic through Lammi, effectively he was not insured on all 4 legs and neither for Colic. So in cancelled my policy. If he gets injured i will just pay vets out of my own money, instead of lining his insurance with money and getting jack poo back.. sorry but insurers bug me
 
You must log in or register to reply here.
Top