PennywithHenry
Well-Known Member
Hello all.
I've been looking into insuring Henry, but was unsure as to whether I could due to his current state. I only really want a basic policy and my vet said it shouldn't be a problem, there's nothing physically wrong with him aside from his weight, which is obviously being dealt with.
As for value; do I value him at what he's currently worth, in his state of condition, or what he will be worth in a few months when his weight is what it should be?
If I should insure him for what he's worth up to weight I as thinking somewhere between £600 and £800, for an 18 year old TB gelding, do you agree with this? Going on what I've already managed to find out from a previous owner, he's a good allrounder, good to do in every way and 18 months ago was out hunting and jumping at weekends. I don't think his value should be any lower, but I know his age is against him, so would you say with him up to weight etc somewhere around the £600-£800 mark is a fair value?
Also, I know his age is against us with insurance as some companies won't insure him, can anyone recommend a company that insures the older horse? I didn't bother with insurance for my old mare, I was put off by the external injury only and nearly everything being excluded, though it may have been that specific policy, so I just put the money away each month. I really want him insured though, as I want public liability with him being at home, my old lady was covered on the yards policy, another reason I didn't bother with her policy. Bless her she went several years accumuating her "savings" and never needed a vet, aside from routine visits. When I lost her in her thirties she'd accumulated a hefty sum. It's her money that bought Henry and paid for all of his treatments.....
So any input greatly appreciated
I've been looking into insuring Henry, but was unsure as to whether I could due to his current state. I only really want a basic policy and my vet said it shouldn't be a problem, there's nothing physically wrong with him aside from his weight, which is obviously being dealt with.
As for value; do I value him at what he's currently worth, in his state of condition, or what he will be worth in a few months when his weight is what it should be?
If I should insure him for what he's worth up to weight I as thinking somewhere between £600 and £800, for an 18 year old TB gelding, do you agree with this? Going on what I've already managed to find out from a previous owner, he's a good allrounder, good to do in every way and 18 months ago was out hunting and jumping at weekends. I don't think his value should be any lower, but I know his age is against him, so would you say with him up to weight etc somewhere around the £600-£800 mark is a fair value?
Also, I know his age is against us with insurance as some companies won't insure him, can anyone recommend a company that insures the older horse? I didn't bother with insurance for my old mare, I was put off by the external injury only and nearly everything being excluded, though it may have been that specific policy, so I just put the money away each month. I really want him insured though, as I want public liability with him being at home, my old lady was covered on the yards policy, another reason I didn't bother with her policy. Bless her she went several years accumuating her "savings" and never needed a vet, aside from routine visits. When I lost her in her thirties she'd accumulated a hefty sum. It's her money that bought Henry and paid for all of his treatments.....
So any input greatly appreciated
