Insurance for an oldie

nicnag

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Hello
I've recently been given an 18 year old gelding, he is unfit but in very good health and I'd reckon has a few good years in him! I have started fittening work with him in the last 10 days and all is going well. At the moment I haven't got him insured but feel that as our hacking involves a fair amount of road work I should really have him insured for public liability. I'm not too worried about vets fees as most policies seem to have a huge excess and to be honest if it was to be colic surgery etc I just wouldn't put him through that.
So - give me your experiences on veteran insurance! My other horse is insured with Scottish Equestrian with no problems but I don't think they offer veteran cover.
 

Keltic

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My veterans insurance became so expensive, it was even more than my cobs!! The cover wasnt really worth it, as like you id never put her through an op and only really wanted public liability, so in the end i joined the BHS and got public liability included with the membership.
 

anj789

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My mare has just hit 18, insurance is up for renewal and I'm leaning towards not bothering to insure her. Most of her is excluded and like you, I wouldn't put her through surgery, or a long box rest if she had an accident. She doesn't leave land belonging to the yard these days so 3rd party less of interest for me but I think there's some liability cover under BHS membership which I think will do us anyway.
 

dozzie

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Mine are insured through NFU. There is a minimum value of £500 which will pay disposal costs if the horse injures itself and has to be PTS. I also have public liability on the policy. It would work out cheaper to be a BHS member but the liability insurance would not be as high as my policy. It is worth looking at both tbh but you do need to check the small print.
 

nicnag

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I had a look at the petplan veteran without vets fees, works out at £7 a month which I reckon is pretty good and also covers for other people riding him which is even better! I'll keep looking around and see if anyine else comes up with a better offer!
 

tedster

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Hi

Petplan offer full cover for older horses up till 25yrs, but is exspensive worth it if you want full cover on vet fees.
Scottish Equestrian do have a mature horse plan that will offer you Public liability cover and injury cover as well.
 
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