Horse insurance for a loan horse

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Scaty_Bird

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Ok, I am mega confused!

I'm getting a horse on loan that currently has no insurance. I am going to get him insured as he will be a full loan and I want to be covered.

Anyone else in this position? What kind of things are you insured for? I don't even know where to start and what I should be getting insurance for
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Any help would be greatly appreciated!!
 
The owner of the horse i have on full loan didn't mind if i insured him or not as long as i would be able to afford large vets bills if anything happened. So I have insured for everything that i would if he was my own.
 
Some insurance companies insist that the owner must insure them some don't mind whether it's the owner or the loaner.

I pay for shoes and insurance for my share horse and KBIS were happy to insure him (I'm already with them for my horse and they've been fab while he's been lame so I stuck with them). All they asked for was a copy of the loan agreement, and they made it clear that no matter who paid the insurance, the owner would get the money in the event of theft or death.
 
What sort of agreement have you got with the owner? If they are still going to be responsible for vets fees etc then you only need rider insurance.
 
I had my horse on loan with view to buy before I bought him and insured him, as a loaner, with AmTrust Equine.
I am insured for the basics, death theft and straying, public liability etc and also vets fees, hospitalisation costs (cost of horse having to be stabled at vets eg livery fees for vets, cost of transport to vets etc) and personal accident cover.
 
I have my loan horse insured, and just called them up and insured him!
the owner did have him insured and when i got him i took it over in my name.
i have him insured for teh highest vet fees (as he is not mine i would rather that) and his tack. (although this can be done on your house insurance if you keep it at home).
just insure for whats needed, but i always think never scrimp on the vet fees, as even though he is not your horse, whilst he is with you, you are liable for the vet fees!
 
I insured our loan pony with NFU. They wanted details of the ponies owner. I insured him for vets fees & loss of horse. I'm covered under my BHS Gold Membership for public liability. Any good loanee will insure the loaned pony/horse and I would think that any responsible owner would want that in place beforing their animal was moved to the loanee's yard.
 
Hi i own and have loaners for each of my horses. One of my horses that is insured covers the loaner aswell as long as there is no financial contract. The other horse isnt insured due to long term health issues and the loaner has to have her own liability insurance (via bhs gold membership). They are both at my yard - but if they ever moved i would insist the loaners had their own insurance for them.
 
I have my loan pony insured with Petplan. They wanted the owners details as well as my own but apart from that, he is insured just as would insure my own horse. The owner wasn't that fussed but I would be in deep do do if a mahoosive vets bill needed paying without insurance.
 
I have my laon haorse insured with Petplan Equine. They didn't want to know any details, it just says on the policy that I am not the owner. They didn't want to know the owner's name or address or anything.

I insured him for the value the owner requested and he is covered for all the activities I want him to do, vets fees etc - just the same things as if he were my own.
 
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