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yobonacob

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Hi all, trying to get a rough estimate on insurance cost. 13,2 cob gelding used for general hacking and fun rides etc, history of laminitis, locking stifle and sweet itch. Would be on full loan with the loaner paying. Insured for public liability and vet fees. TIA!
 
It’s easy enough to get a range of quotes online or over the phone, but with that medical history not much of the pony will be covered and it will almost certainly be more expensive than you think..
 
If it is your horse and you are putting him out on loan - with a list of medical conditions I strongly suggest you (as owner) maintain the insurance and have the loaner reimburse you. If the loaner takes out their own insurance, when the loan ends the coverage ends. If the loan ends due to a medical condition then you as owner are then stuck with an uninsurable ongoing condition.

The insurance won't be that much more because of medical history - you will just find those issues are excluded from the policy - along with anything related to them. I would expect insurers to exclude a lot from the cover.

Public liability on it's own is c.£100 p.a. from BHS / Harry Hall / BD etc.

Vets fees you'd need a quote specifically given the history.
 
Polos Mum said:
If it is your horse and you are putting him out on loan - with a list of medical conditions I strongly suggest you (as owner) maintain the insurance and have the loaner reimburse you. If the loaner takes out their own insurance, when the loan ends the coverage ends. If the loan ends due to a medical condition then you as owner are then stuck with an uninsurable ongoing condition.

The insurance won't be that much more because of medical history - you will just find those issues are excluded from the policy - along with anything related to them. I would expect insurers to exclude a lot from the cover.

Public liability on it's own is c.£100 p.a. from BHS / Harry Hall / BD etc.

Vets fees you'd need a quote specifically given the history.
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Sorry for confusion! I would be the one loaning the horse (I would not be the owner), owner never had insurance.
Started thread as didn't want to go through the comparing quotes considering the loan isn't finalised, both parties trying to figure out if it is viable. Would the gold Harry Hall cover this as he is not my horse, I have been looking and am undecided between what would be better, gold bhs or harry hall gold. Love harry hall gold as its half the monthly price! Both cheap though. Could anyone offer any insight into which would be better like payout wise etc. And I'm assuming I would be covered for falls on road causing car damage, if he escaped field etc as this would be public liability which both cover if I am correct? Sorry new to insurance, I probably shouldn't be though!
 
No problem, I would still advise the owner take out the insurance for vets fees and you reimburse the owner for the cost.

BHS membership is public liabiltiy only
Harry Hall you can add vets fee - but as above - you probably want to arrange that separately with the owner.

I think HH is £10m cover only BHS is £30m of cover
It's really something catastrophic that might mean you needed more than £10m I guess. Although if lose horse on road puts a family of 4 in wheelchairs for life I guess it adds up pretty quickly.

I've never claimed so can't give any experience on how good they are paying out.
 
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