Trial of horse who insures etc

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indie999

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If I trial a horse as this has been offered to me without me asking, how does this affect the insurance. I would be getting the horse vetted too whilst on trial. Its just an idea but a possibility.

I know a lot of sellers wont offer a trial except if its at their yard etc but has anyone done this way round at all?

Thank you
 
ask the owner to keep insurance going, the issue with taking out your own is you have a 7-14 exclusion period so you wont actully get the cover for whilst horse is on trial, the people that bought my cob tried and couldnt get it sorted, so it was written in to the trial agreement that they self insured.. in other words they were to cover any/all vets fees in case of an accident, incuding further treatment if required and that they were still iable for cost of horse if any thing ment he wasnt fit for purpose, or could no longer be a show pony .. in other words a form of loss of use cover.

I also took half the purchase cost as a deposit..
 
Thanks

The viewing went very well and I really liked him. I am going back though just to check for myself re traffic(the owner rode him, he was a little green but nothing horrendous with some regular practice etc) but by the time we finished menage/fields etc he was cream crackered.. He is very unfit(truely) was puffing away very overweight a lot to lose. I never rode in company(not that I will anyway) but I would like to know if he is ok(they said he was?)? but there wasnt anyone around.

The trial seems too complicated and they are not just down the road for me to trial him on their yard(but it was their idea)! So fingers crossed my long search may be over!
 
the thing is in a week you have to expect a horse to be unsettle and display different behaviour to what it would in a settled home, in all honesty if you can do an over night cheap hotel, and have 2 days worth of riding trying horse out in all the situations you want to.

much easier than getting it home it being a pratt you thinking what have i done, then having to pay for transport yet again, not to mention money spent on a vetting..
 
If you take the horse on a week/2 weeks trial or whatever, the owner of the horse would just need to advise their insurance company of the situation and you should be covered. That though is assuming the owner insures the horse currently. If you have a horse insurance policy that allows multiple horses to be added you could add it on and, if it didn't work out then remove it at the end of the trial. However, you would be taking on cover for any illness yourself as most if not all insurers exclude illness/disease for the first 14 days of cover.

If you cannot add the horse to existing cover you would have to takee out an annual policy and, if you chose to return the horse you would be left having to pay an admin fee plus a you would be charged a short term cancellation rate (ie you'd probably at best get 80& of the total premium paid back).

So, all in all it is the best thing to get the owner to note you as having the horse on trial.
 
LaurenM said:
I'm confused..did the owner ride him the whole time or did you ride after you'd watched them?
Click to expand...

It was a bit of both. She did the first bit road and then menage, I liked what I saw and I took him into stubble field to test brakes(sounds awful)!Cantered towards home etc and took him past home gate etc etc. TBH I schooled him first half round etc to see what I thought ie what was in effect done in menage. But am going to do the road next time and try to find somewhere unfamiliar if it exists?. Also hooray experienced rider is coming with me. I probably make myself sound worse than I am...just dont claim to be an expert at all.

I havent bought a horse for years...and thank goodness, not an easy task mine field.

Just got the feel good factor even before we got on! poking and prodding!
 
I'm glad you're not rushing into things and taking someone with you.

I took my hacking friends and my instructor to view my current horse. They know how I ride etc so were able to give a critical eye. I would've ended up with a just backed 5 year old if I went on my own!
 
Thanks Lauren M best one I have tried and better than my old boy. Very responsive to leg aids after riding a very dead to leg horse and hard work stubborn cob...I had obvioulsy not realised how dead he was TBH! Although blooming so traffic proof crow scarer proof helicopter hot air balloon proof....that was his plus!

So completely agree I just need to see if I am seeing the same as someone who is not so detached from reality"rose tinted spectacle" syndrome. I think I was quite shocked for a change I came back really pleased. Long may it continue then???

If it goes well I will be handing over deposit etc to secure. So hope to be back with some good news but thanks for the help and advice.
 
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