Loaning a horse - help?!

sianmturner

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Hi everyone, I'm asking this preemptively in the hope that I'll be able to get some help to make a good decision. I do tend to babble but want you all to get a good picture of my situation and then it would be lovely if anyone could offer some help or advice. Be honest with me because that's what I need. I'd really like to hear your opinions.

As I said before I've asked this completely preemptively but largely because I would like the time to think and budget and plan. If that's the right thing to do.

For many years of my life and into my mid-teens I was a very keen rider. And, although I was not allowed a horse growing up, I did go and help around the stables sometimes - I've forgotten just about everything now though. When I was about 15, I had an accident. It wasn't a huge one but it hit me hard as I knocked myself out coming off a very large horse belonging to a friend of my dads. I think more than anything it was the fact of everyone watching me as I went into panic mode and tried to use my calmest (not calm at all) voice to steady the horse, knowing that I'd lost my stirrup and the horse was heading for a high fence. To be honest, it was a lively competition horse that was not what I had been used to at the stables. And, I did get back on once I'd come round, then ended up in hospital the next day having my head and neck examined. I broke nothing and had scratches and bruising at most. I was very very lucky. But, for some reason, it really knocked my confidence and I didn't get back on for years.

The next time I got on was in Spain for a fun ride and my partner's horse took off with him into the forest! He had never rode before and I was left thinking 'now I remember why I stopped riding!'

I'm a worrier, in honesty, and I will never be the type who would push myself to the limit with my riding. Although, at the time I was doing a little jumping - for fun - not competitively. Around 5 years ago, I plucked up the courage to get back in the saddle; I've always felt like riding was my one hobby and I lost that when I had the accident and the Spain incident only confirmed my fears. I was coming along nicely again; going for the occasional hack in a small group and a short canter when I plucked up the courage. But then I decided to buy a house...

And here we are 5 years later...again! It's been over 10 years since the fall now and after a strange series of family events I came to find myself thinking; if riding is your thing then you should do it and stop worrying so much! So, I made a phone call and got myself a private session on a farm. I had to go and buy everything from scratch again; jodhpurs and a hat. When I went to the shop, having just explained the above, the shopkeeper asked 'so where are you loaning from?'

I laughed and told her there's no way I could loan a horse; I'm so under confident and I think that takes me back to novice level really. Then someone else brought it up and told me that, after some lessons, I should think about it.

I must say I'm going for my second lesson tomorrow and the lady that is working with me is fabulous. She got me straight back into it; one-to-one and cantering again by the end of my first session. Which might not seem a lot but to me it meant the world; I was hoping to plod around and have a bit of a trot!! She said I 'looked good up there' which was nice and just chatting with her made me feel totally at ease. I think it confirmed to me that conventional riding schools are not for me; something quieter is perfect.

Anyway, that's my story and now to my questions (and I'm sorry for babbling for ages).

1. A lot of adverts say 'not suitable for a novice'. I would certainly consider myself a 'novice' for the pure fact that it's been a long time since I've ridden and also because I've never owned/loaned a horse before. Would this be a problem? And what exactly is meant by 'novice'?

2. Financially, what are the implications of loaning a horse? I understand there's a bi-monthly (ish) cost for the farrier usually and a half cost for livery. But what about vet bills and insurance? And where would I stand if the horse were to have an injury whilst I was riding? (Told you I was a worrier).

3. When would be the right time to begin thinking about loaning? A friend of mine told me that you 'learn on the job' as it were but I fear I'd look like an idiot trying to do jobs at 1 mile an hour! - I'm wondering if I might ask my new instructor to let me practice. I'm hoping she wouldn't mind a hand.

Any other information or advice you could give me would be great. I really appreciate it.
Thanks!
x
 

MiJodsR2BlinkinTite

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It sounds like you're doing really well at overcoming your confidence issues. You've obviously got a good instructor, and that is making a huge difference as you are re-discovering the pleasure of riding again.

What you need IMO is something nice and steady that you can just plod around on and not have to worry about anything else, for now at least, until your confidence is a little better. Which is presumably why you're thinking about loaning as opposed to buying??

The problem is........ and you know what I'm gonna say - is that horses like this are worth their weight in gold (literally!) and are VERY hard to come by, whether that is to buy, or to loan.

An awful lot, and I'd say a pretty good majority - TBH tho' admittedly not all - of horses offered for loan often have some sort of "issue" with them. I know that is making a perhaps wrong generalisation, but you do need to be very careful that someone doesn't offload their problem horse onto you to loan it, and you then go out and have something happen, and lose your confidence all over again. That would be an awful shame.

Personally, I think you should be guided by your instructor. You obviously have a rapport with her, and have done well under her instruction. I would ask her candid opinion of whether this is the right time for you to get a horse, be that a loan or something you buy. She will have a very good idea of what sort of horse might suit you, and what wouldn't, and I frankly would be guided by her at the moment.

Loaning or buying is a huge step and something which if you've never done before, takes a huge intake of breath!!! If you do have confidence issues, it might be that for now you just go along as you are, i.e. having good instruction on a regular basis, and it just might be that your instructor might at some point hear of a horse either on loan or to buy that may be a good choice for you. The worst thing for you right now would be the "wrong" horse.

In your situation at the moment, I would be very very careful as to your choice, if you went for a loan option TBH.......... there's a lot of scatty/problem horses out there and the ONLY loan I'd suggest for you would be something that is known to your instructor, that way, if you do encounter a problem (and you will!!!) you've got someone on hand to help.
 
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PorkChop

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Always great to have a goal - keep going with the lessons for the time being, and I think it's a great idea to ask to help with your instructors horses day to day care.

As I am sure you know, most of the time spent when you have a horse, is looking after it rather than riding it :)

I would plan to get up to speed with the riding and learn as much as you can about the day to day care.

I expect you would be better starting with a share rather than a loan, and then it won't just be you having to make the decisions.
 

sianmturner

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Thank you both so much for the lovely encouraging replies. Makes me think I'm not being as daft as I feel. I think asking my instructor is a great idea. Although I will leave it a little longer before I put it out there that I'm considering it for the future as she might think I'm a bit mad after coming to her just over a week ago, panicking like mad and saying I'm not even sure if I do want to get on again but need to give it a try - I suppose it shows what the patience and attitude of a good instructor can do in a very short time.

I certainly think that a nice calm ride would be perfect for me right now -even a bit of a plodder. I'm not even sure I really want to graduate from that; I love riding and I've never been much of a risk taker in anything.

Which brings me to the next point; do you have any idea of the financial implications? I'm pretty much the sole earner in our small family; and I care for a mortgage and 3 bonkers rescue dogs on my teaching salary. I know I could afford part of the livery cost and the farrier but after that I'm left concerned about insurance/vet bills - I know what it's like when one of the dogs needs a trip to the vet!

LJR - please could you explain the difference between sharing and loaning? I've tried to look but I'm a little confused!

x
 

Nudibranch

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It varies a lot but I would say 25 to 30 a month for insurance to include vet's bills up to about 5k. Excess is usually 150 or so. I don't insure any more, as I put money away instead but that's a different situation. If you were to share you'd have the "use" of the horse a few days a week, so reduced costs plus you have the backup of the owner for advice and decisions. However a good, knowledgeable YO would be able to keep you on the right track too if you loaned, whereby sole care is yours. Good luck though and keep us posted!
 

flirtygerty

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Whereabouts are you, I have two older horses that would build your confidence, both are total novice rides, you would need transport though, as I live in the wilds of Rothbury, but I could show you horse management as well, it could be a stepping stone to loaning your own horse
 

sianmturner

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Thank you again for the lovely replies. I live in Redcar on the coast near Middlesbrough. I think it's just over an hour and a half from you. Thank you for the kind offer. I am very much sold on the idea of part-loaning/sharing. Although, after another session today I realise that this goal is some time away yet. I feel like a beginner all over again. It's a little frustrating as I feel like I've forgotten so much! I know it's like riding a bike and I'll pick it up again but I'm so impatient to feel comfortable and get back to really enjoying it. I've decided that the time to begin looking for a loan is when I start looking toward jumping again - this is the point where I want to stop - I've no desire really to go flying around courses. Just a nice ride through the woods or on the beach would be perfect for me. x
 
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