who does and doesnt have there horse insured?

I have 1 horse and she is insured. I wouldnt consider having a horse without insurance as horses can cause huge amounts of damage to third parties. In my opinion, it should be manditory- like car insurance
 
pegasus1986 said:
How many horses do you have and do you have your horse or horses insured and who doesnt and if you dont why dont you? thankyou
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I had 9 horses of my own yesterday, today I have 14, tomorrow I will have 12, Saturday it will be back to 9.

No, I don't insure them because the population floats on a day to day basis and it would be horrendous to keep up with. Vets bills, well, if they happen they happen, up to a point.

I have Boarders too, obviously I don't insure them, every horse, whether owned by me or not is covered by a blanket liability policy under the farm insurance though.
 
I have insurance for 3, plus extras for tack and personal accidents....if I had more than 3 to insure I would consider paying only for 3rd party and putting money aside instead.
 
I have two horses one insured and one not. The first horse which I've had for nearly 10 years now got injured the same week I got him on fencing and he wasn't insured. He has gone on to have loads of illnesses and has cost me over 2k in vets bills so when I got my second horse I decided I couldn't have another lame donkey so insured her. Insurance is expensive and when I've had her a good few years then I'm sure the insurance premiums will add up to what the vets bill have cost especially when you include the excesses. You pays your money you takes your choice - insurance is like paying the vets bills in installments - well that's how I see it.
 
i have 8 horses, i have my 2 riding ones insured for vets fees, and i have my 3 year old insured against death, i am a member of the bhs gold for their 3rd party insurance,
I cant afford to insure them all, but i have a credit card that i keep for emergency vet bills which has a limit of £4.5k on it just in case.
 
Ive got 2, and they are insured, but only for retirement/broodmare as I dont ride, and one is a broodie. I have 5k vet fee on the insurance with an excess os £135 for both of them, as I can afford to pay the excess, but there isnt a chance in hell that I could afford any other vets fee's. I would have been crippled financially if I hadnt have been insured when Mellys hock went.
I can understand why people with many horses dont insure, especially if the have BHS membership, but I couldnt afford not to have my 2 insured for vets fee's.
 
I have 7 - not insured other than BHS Gold cover. I had them insured when I owned 5 - never made a claim and worked out how much it was costing me and decided it just wasn't worth it!
 
I own a cob who is insured but the little section A that is here with me on permanant loan isnt and shes now got a abcess.Reason for her NOT being insured is because her so called owner refuses to give the paSSPORT UP (IF SHE HAS ONE).
 
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We have 5 and they are all insured - I worked in horse insurance so gave myself a nice BIG discount!! Lol. I pay for my youngster and my oldie, my sister pays for hers and my mum pays for my horse that she also rides and the old TB.

Touch wood we have never actually claimed for horse treatment but i am very aware having seen so many claims at how quickly incidents can happen and also what the consequences can be should a loose horse cause an accident/injury to a TPY.

At the very minimum I would always insure for 3rd party liability, whether that is through the BHS or similar horse type organisation (PC/BSJA etc etc) or I would check my household insurance covered my horses.
 
Me and my mum have three horses. Two fully insured and a 25 year old that is insured only for accidents. One of the full insured one I only picked up the other day. We insured him straight after he passed the vetting...which is just as well. As he ended up having an accident, he was at the vets for several days before he even came to mine. Thank god we insured him.

Also later last year I lost my young mare who i'd had for three years to Osteo Arthritus of the hips. She was 7. It took eight months for them to work out what it was due to the rarity of it. So thank god she was insured, as she had lots of tests etc.

Then (I really have had the worst year), when we realised I wouldn't be able to ride my mare for a bit - I took on a horse to break in around May time. We insured him. AFter a month he came down with grass sickness. We did everything we could but he was in end PTS.

Before this year we have never claimed on insurance, even though we have owned horses for over 20 years. Our insurance company have been amazing. Because of this year I will always insure my horse.
 
It is a very good idea to insure a horse the moment you decide to buy it. we had an awful claim one time where someone had bought the horse (about £5000 they paid)and when they were loading it to take it from the vendors, the horse reared on the trailer ramo, fell back and broke it's leg and had to be PTS. Really horrendous but they had insured it and, as we covered for death/vets fees for accidental injury straught away (illness it'd be after 14 days) they got the full amount back. I am sure that is not really what they wanted but at least they did not lose money as well as the horse.
 
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