Insurance for 2-week trial

[beerecco]

Hi -

We're embarking on the scary journey of buying a first horse! The owners have kindly agreed that we can take it on trial for a fortnight and I wondered if anyone had any advice on insurance. The horse is currently covered on insurance by its owner but should we take out anything additional in case she is kicked in the field or similar? And if so, can anyone recommend an insurance provider that offers this type of cover?

Thank you, Becca

 

[Tronk]

I had a horse on trial and opened a policy with the NFU for the 'full works' just in case it was injured while I had it (it was also covered by owner). I just cancelled the policy when I sent the horse back (it was no good!). I opted to pay by monthly instalment. There was no cost for cancelling. They were v helpful- worth ringing them to talk it through.

 

[ycbm]

If the horse is insured by the seller and is still owned by the seller, the only insurance you need is third party. If you have house insurance you probably already have this, or you can join the BHS which will give you it (though Associate of British Dressage will give you it a few pounds cheaper).


Good luck with the trial!

 

[be positive]

If the horse is insured by the seller and is still owned by the seller, the only insurance you need is third party. If you have house insurance you probably already have this, or you can join the BHS which will give you it (though Associate of British Dressage will give you it a few pounds cheaper).


Good luck with the trial!

This, make sure the sellers inform the insurance company that the horse will be kept elsewhere for two weeks, if possible during the trial keep the horse in a "safe" paddock to reduce the risk of an injury as even though it may be covered by insurance an injury will make things complicated and the trial will be limited, don't forget there will be an excess on insurance and that will be down to you to pay if required so keep the risks as low as possible.

 

[beerecco]

Many thanks for all the helpful replies. The girls are with Pony Club as centre members so I think they are insured for 3rd Party but for peace of mind I will probably ring NFU and see what they suggest. Thanks very much for all the helpful replies!