loaning a horse

some people 'hire' the horse, some people pay everything, some people pay nothing. Depends on your agreement with the owner.
 
I have my horse on long term loan with the option to buy if I want or when I have the money. I pay everything apart from the insurance. Her owner lives in Milton Keynes and I live on Surrey/Hampshire border. I have no Presure from the owner and can do what I want with her. Her owner cames down and see's her once in a while just to see if everything is ok x.
 
So what bout vet bills . Does the owner have insurance for that and you pay the excess. As when i loaned beore the vet was shocked the owner didnt pay excess ect as she was her horse. Its ust ive been oered another loan . Also horse has to stay at there yard .
 
I pay everything apart from insurance.I have a good relationship with owner she has just bought the horse new saddle and rug .I bought extras like bridle stirrupleathers and new stirrups through choice.We have just extended our loan for another year as it is going so well.
 
So all and all its best to have your own, as the costs are the same . I know u dont have to fork the money out to purchase a horse but in my experience with horses vets bills can be very expensive even if there insured . So if you can afford all that . It be best to buy. Thats my opinion. Unless the loan is with view to buy at an agreeded price at the start .
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I have my horse on full loan and pay for everything although it does state in the contract that the owner will pay any vet bills but this is more because she had an operation for colic before I got her and therefore we are aware she is prone to getting colic (although it is carefully managed!)

To all intents and purposes she is my horse and I treat her as such
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