What do you pay for your horse insurance?

[SNORKEY]

Relating to my earlier post about my horse insurance excess and not paying hospital livery costs, im wondering what you guys pay for your insurance?
And do you cover your horse for his true value, and include loss of use and any exra's such as tack or personal cover?

 

[kendra2705]

public liability , vets fees, not tack , loss of use and death , theft all including pet plan 23.00 amonth but excess 500 pound

 

[SNORKEY]

Blimey I thought my £275 excess was bad!

 

[nicnag]

18yo boy is £68 yr for death, public liability and rider cover - no vets fees
12yo ISH mare is £320/yr for full cover, vets fees, tack and trailer, excess is only £125
My mare is covered for £3500 as she now has spavin so I reduced the value as I reckoned they wouldn't pay out on the £5000 she was originally valued at - basically they confirmed my thoughts when I contacted them to discuss it.

I'm with Scottish Equestrian for the old girl and Rural insurance for the old man.

 

[tasel]

- Vet fees up to £5000 per incident
- 50% of hospitalisation fees and MRI
- Transport Fees to clinic paid in full
- Alternative Therapies
- Loss due to death/theft
- Excess: £120

Costs me £35 a month.


Public Liability is covered by BHS Gold Membership...

 

[jesterfaerie]

- Death
- Loss by theft/straying
- 3 mill 3rd party
- £3,500 vet fees
- Tack insurace

Excess - £500 vet fee and £100 3rd party
Cost - £18.something per month, £16.something without the tack insurance.

 

[SNORKEY]

[ QUOTE ]
- Vet fees up to £5000 per incident
- 50% of hospitalisation fees and MRI
- Transport Fees to clinic paid in full
- Alternative Therapies
- Loss due to death/theft
- Excess: £120

Costs me £35 a month.


Public Liability is covered by BHS Gold Membership...

[/ QUOTE ]



Hi, how much is your horse insured for and who with? That seems like a good price.

 

[lilym]

Well, reading your replies i am being right royally ripped off!!!!!! I am changing my insurance company as soon as my last month is up!!

 

[tasteofchristmaschaos]

I pay about £32 a month and that covers:
Death, theft and straying
Vets fees
Hospitalisation fees
Third party
Personal accident
and I have a fixed excess of £135

 

[SNORKEY]

If you pay monthly for your insurance Lilym you can change any time. Just dont go to E&L. I was warned off them for the millionth time today.

 

[LCobby]

[ QUOTE ]

- Vet fees up to £5000 per incident
- 50% of hospitalisation fees and MRI
- Transport Fees to clinic paid in full
- Alternative Therapies
- Loss due to death/theft
- Excess: £120

Costs me £35 a month.
Public Liability is covered by BHS Gold Membership...

[/ QUOTE ]

Me too, and including tack.
NFU

 

[tasel]

[ QUOTE ]
[ QUOTE ]
- Vet fees up to £5000 per incident
- 50% of hospitalisation fees and MRI
- Transport Fees to clinic paid in full
- Alternative Therapies
- Loss due to death/theft
- Excess: £120

Costs me £35 a month.


Public Liability is covered by BHS Gold Membership...

[/ QUOTE ]



Hi, how much is your horse insured for and who with? That seems like a good price.

[/ QUOTE ]

Horse is valued at £5k, and insurance company is NFU.

 

[MagicMelon]

I use NFU, they were the cheapest to quote. Mine is insured for £8k which is below his value but I couldnt afford much more monthly!! Costs me just over £100 a month (think £108 / £110 or something). He's insured for the 3 main ones only (loss of horse, loss of use and vets fees). Am I being ripped off?! Everyone else pays hardly anything - what value are you putting your horses for?