How do you insure your tack?

H

HappyDayz

Well-Known Member
Joined
7 September 2014
Messages
237
Location
Kent
Visit site
After all the recent thefts I realised my tack isn't insured whilst it is kept at my yard. The tack room is inside an alarmed and padlocked barn with motion sensors. I looked into adding it onto my horse insurance but they wouldn't cover the full amount of my tack and it also pushed my premium up. Does anywhere do a specific tack insurance?
 
I don't. My yard doesn't have anywhere secure so it comes home with me. It's a nuisance but I've got used to it over the years
 
We don't lock our feed/tack room so my tack lives in the car. Whilst it's in a covered and locked boot of a vehicle it's covered by my tack insurance on my horse policy. Pain in the backside lugging it around everywhere but it's about £30 for the year for the insurance and means it's covered for damage too and as I'd struggle to find funds to replace tack it's worth it to me.
 
I put mine on my home and contents insurance, it's a lot cheaper than adding it to horse insurance and it covers it in more circumstances too.
You may have to increase the single item limit on your home & contents insurance if you have an expensive saddle but again it doesn't seem to put the price up as much as adding it to horse insurance.
 
either on your horses insurance or home contents. Be careful though as Petplan wouldn't pay out even though barn was locked it wasn't a 5 point bolt mortace lock so wouldn't pay out for my Cliff Barnsby saddle that was stolen :-(
 
If my tack was kept at a yard where the secure tack room was a selling point then I would expect that to be to insurance standards and my possessions covered by their insurance - I thought that was normal? I guess not!

If the tack room wasn't to standard (as indeed my own isn't) then I wouldn't keep tack in there. My tack is covered by petplan but only provided there are minimum security standards, if its away from the house then wherever it is needs to have those same standards so not horsebox lockers with a little padlock or anything
 
Its easiest to add it "all risks" to your household policy. That way it is covered wherever it is kept. If you have good enough household insurance it doesn't even impact your premium. (Note reading back... don't list tack as one lump sum - list as separate items.) Specific "tack" insurance though equine policies often excludes times when tack is at risk - such as at a show. I've always found the 5 point mortice lock thing odd - I had a friend who's insurance specified this and so she fitted it. But the tack was visible though a single pane of glass in an unlocked window. The insurer couldn't have cared less as long as the door had the specified bolt.
 
You must log in or register to reply here.
Top