Horse transportation company insurance

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Seabiscuit12

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Excuse my ignorance! I am in the process of booking a transport company to move my horse from his current loan home back to me. The company I have booked have sent me their ts and cs, and in them they ask that the horse is insured for transportation. I double checked with my insurance company and they confirmed he is, but said it was an unusual question for a transport company to ask.

The transport company is insured to transport horses, but state that in the event of an accident the customer is liable for any damage, injury or death that occurs to (or is caused by) their horse. Is this normal for a transport company? If so, what does their insurance cover? I perhaps naively thought that if there is an accident then their insurance would cover injury....

Ta!
 
It probably is something their insurance company insists on to make sure they are not paying out if the horse causes an injury or damage that is not considered the fault of the transporters in any way, if the horse is injured during normal transportation you should be able to claim on the transport companies cover but you may have to prove there was negligence involved to do so, something that is nearly impossible to do if you do not witness the incident.
Hopefully you will not need to test how it would work and your horse has a safe journey.
 
I was asked the same when I moved mine back in Jan I thought it was very odd you'd think their own insurance would cover anything that happened but I guess I'd never had to think about it before which is what made it seem so odd to me.
 
Based on a recent court case were it was deemed that the owner of a horse is responsible for any accidents it causes even if it is not the owners fault.
This resulted in horse owners being advised that they should ensure that they have a minimum third party public liability insurance to the value of £10,000,000 (Ten million pounds).
Many policies do not provide insurance to this level.
 
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