Insurance questions (my first horse)

[Joanne_Stockport]

Hello,

I might be buying my first horse a little bit sooner than I expected (was planning in buying in a year's time) and even though I know quite a lot about the cost of owning a horse I would like some recommendation regarding insurance. I am planning of registering my husband and I for the BHS Gold Membership (for the rider insurance and public liability insurance?).

Obviously I would need some insurance for vet bills.

Could you give me an idea of price (per month) and which insurance company you would recommend?
The horse I am looking at buying is 8 years old.
He will have a 5 stage vetting done before buying him.

Is the price different is the horse lives out most of the time?

thank you !!

 

[el_Snowflakes]

It all depends on what you use horse for and how much you insure it for. I would say roughly around £40-£50 a month. If a horses value is over a certain amount, most insurers will require a 5 stage vetting certificate. I am with SEIS & rate them highly. Dont be tempted by extra low premiums from the likes of E&L....their cheap premiums reflect the quality of service!! I dont think I have never been asked by an insurance company if my horse is stabled or not.

 

[Joanne_Stockport]

thank you !
I'm more worried vet bills than anything else. In this market he is worth around £2000-£3000 so not a very expensive horse. I would do a bit of everything :hacking, schooling, jumping (but not very high !) and would also like to do some endurance riding (he is not the best type for this but maybe just the 20 miles ride).
I definitely will be careful in which insurance company I will use and I will have a 5 stage vetting done even though he is not an expensive horse.