sorry how much

L

LadyRascasse

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just about to updtemy boys insurance who much would he be worth for that purpose only (would never sell him even though he is a wimp and has given me a bruise on my foot that could content with Mrs M arm!!)

right he is 17yrs old 16.1 tb gelding, fantastic to ride happierly let 12yr olds ride and jump him. he is the 2 right photos in my siggy. no really competition results yet, and i will just use him for unaffliated stuff now.

won't be affended by an evaluation as to me he is priceless and won't be going anywhere til its his tim to go over that bridge
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I insure my horse who is being sold at significantly more (shows his market value) at 2k. No point in paying out premiums for big value IMHO.
 
thanks for that, don't be sorry he is currently insured for £500 as he was lame, i considering putting up to £1k i don't want to have him insured for a stupid amount as when the time comes they won't pay it.

oh yes he is 17
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An older horse's value really only comes into play if he is lost/stolen or loss of use claim, otherwise it is more about how much vet cover and liability ins you want (which is not calculated directly on age). Once they are over a certain age you wont be able get much in way of loss of use cover/claim anyway and value, regardless of what he is worth you, will be 'market value' of typical horse that age so potentially less than £1k, unless you are competing at more than local show level, then it is a whole different ball game.
Vet cover will start to have exception clauses added, like they will only pay 75% of vet claim after you have paid the excess and the excess starts to go up as well.
My old horse is now only covered for traumatic external injury even though he has been insured with the same company for years and never claimed, ins company wont offer anything more and I have shopped around they are all about the same unless I want to pay out more than the horse is worth in premiums. The cost of my ins has come down a bit now too though - one good thing but I am getting far less for my money. I did wonder about just putting the money in the bank in case and taking my chances, as long as you have liability cover somewhere, then it's an option
 
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