Valuation Wanted Please - She's not for sale, it's for insurance purposes

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MyLuckyStar

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Lucky is a 14.2 Welsh Cob, she will be 16 years old in April (DOB: 11.04.1994)

She will hack alone with a very very experienced rider, can be hacked in company by most riders.

Can get frightened of large rattly vehicles due to previous accident.

Excellent in menage - can be ridden by anyone alone or on a lead rein.

Can be a bit of a cow to catch but only in Summer (unless she's muzzled then she'll willingly come to you!!)

Shes fab on the yard - stands for hours been groomed, or even just tied up.

Can be clipped without a headcollar or anything - in fact she falls asleep when been clipped!

Great for the farrier and vet etc.

Fab at shows - very laid back
 
For insurance purposes... why does being clipped matter?

My insurance wanted to know 3 key things... field ornament, breaking in or happily ridden. And any vet issues. Not a single one cared whether she was good for clipping, catching etc :confused:

Pan
 
It's tricky because value for sale and value for insurances purposes aren't necessarily the same things ! I reckon what you can get back from insurance would generally be less than full market value anyway. And not sure how much difference a few £100 would make to the premium as the age, health and vet history probably makes more of a difference.
 
Not entirely sure of the relevance of most of the things you listed.

Insurance companies want to know basics:
Age
Breed
Usage
Any previous payouts.

TBH they don't care if she is good to clip. They just want to work out the likelyhood of them having to pay out.
Probably about 1k?
 
WoopsiiD said:
Not entirely sure of the relevance of most of the things you listed.

Insurance companies want to know basics:
Age
Breed
Usage
Any previous payouts.

TBH they don't care if she is good to clip. They just want to work out the likelyhood of them having to pay out.
Probably about 1k?
Click to expand...



^ This ;)
 
My boys insured value has remained constant throughout our 14yr relationship. I have it for the vet fees anyway, which is the same.
 
TBH what are you wanting to insure her for - by that I mean are you after vet bills, liability, personal accident etc? If you are after vet bills insure for the minimum no matter what shes worth or your premiums will increase.
For example, I bought my horse as a 2yo for £2000. He's now 8 and prob worth around 10k. He's still only insured for 2k otherwise my premiums would be horrific. I want £5000 vet cover which I have and my tack insured. (Im a gold member BHS so liability and accident are with them). The only time I would lose out is if (god forbid) he died as I would only receive back the 2k insured for, not the actual value I could sell him for - hope that make sense:)
 
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