insurance for youngersters

Hi, for my youngsters I have them covered for everything (vets fees etc) except for tack (as there not doing anything)and I have BHS Gold membership which covers Personal Liability.

Im with NFU and they've been great with me and my youngsters.
 
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My colt/ 16months is insured with petplan took it out online and got free coat ;) but that has vet fees legal liability and trailer on it being 31 per month x
 
All mine insured with KBIS. I won't do vet fees and just have basic cover (death by illness, accident or disease, theft & straying) third party is through BHS Gold membership and I only cover for £1000 their first year (to recover stud expenses) then up it as they get older. It's about £70 per £1000 like that I think, extra £250 on top for vet fees with £135 excess.
 
I have two foals with NFU for about £60 but no PLiability or tack I'm joining BHS for the PL.
If you own a 4x4 I'd suggest NFU up till last month I was paying £140 for my car alone now it's £142 for car and two foals all with NFU!!
 
I'm with SEIB, insured for theft, straying, 3rd party and vets fees on a basic policy - think it's about £15 a month
 
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