elliegirl12
Well-Known Member
I really dont know how much to insure my oldenburg x tb yearling for, obviously want vet fees and legal liability on him! many thanks 
How much to insure a yearling for?
- Thread starter elliegirl12
- Start date
Maesfen
Extremely Old Nag!
Did you breed him or buy in? If you bought him then what you paid for him or if you bred him, I usually cover stud and vet charges so insure all mine for £1000 from foals and up their value as they get older.
Remember no matter how much you insure for they will only pay out on market value so no need to pay too much plus the premiums take a hike after £2000 and you might need a 5 stage vetting if more than £5000.
Don't forget it's cheaper to join the BHS as a Gold member which gives you free liability insurance than it is to use a horse firm plus one membership covers all your horses not just the one as long as they're not used in a professional capacity.
Remember no matter how much you insure for they will only pay out on market value so no need to pay too much plus the premiums take a hike after £2000 and you might need a 5 stage vetting if more than £5000.
Don't forget it's cheaper to join the BHS as a Gold member which gives you free liability insurance than it is to use a horse firm plus one membership covers all your horses not just the one as long as they're not used in a professional capacity.
Last edited:
Allover
Well-Known Member
I tend not to insure for market value but make sure i get a good vets fee package!!!!
elliegirl12
Well-Known Member
I bought him for £600 but was a rescue, but apparently he is worth about £2500 i was thinking £1500 was a fair price, i dont see the need of him being insured for that price or is there?
Allover
Well-Known Member
Entirely up to you, i would see if it made a difference to the cost of the insurance and make a decision on that