Who insures????

[soph21]

my friend C has a got a pony on loan from another friend S, basically S paid £1800 for a 8yr old NF 13.2 ''competition pony'' for her 9yr old daughter who's a nervous wreck on anything bigger than 11.2? she has gone from her 11hh ''showpony'' to this mare,
when S bought the mare last summer she was bossy as her last owners were scared of her! when S had her she was too dangerous to put anyone un-experienced on, i didnt mind riding her, she napped everywhere, reared and bucked. she was quite moody in the stable but never raised a foot, she always had a sharp look in her eye, S is about size 14 and about 5'7ish, and she used to ride her as daughter was pettrified and dont blame her!! one day all 3 of us hacked out, i was on bear C was on Ted and S was on mare and the mare decided to nap and canter backards in reverse (did this regularly!) so S had 2 whips, one on each side and just beat her till she walked on, they must have been battling for 10mins!! by this point bear and Ted were crapping it!!!

Anyway S bought an unbroken pony last sept, i backed it and she gave it to C's daughter whos 11 to ride on and do winter jumping on, she did a fab job with her and she was so sweet and quiet and a real 'novice' ride as she's 9,
back in april/may time S convinced C that the nutty mare will be ideal for her daughter and took quiet 1 back for her daughter!! S lives 2 mins up the road from C.

the nutty 1 is now an angel, never naps/bucks/rears, really cuddly and loves attention, and the original quiet 1 has started bucking!! and she's gone really shy in the stable!
we all went to hunter trials on sunday and poppet the original nutty 1 has got a little nick on her flank and S noticed it and had the cheek to say to C 'you better insure that mare cos i dont want her coming back to me worthless!!' what a horrible thing to say to someone that has given the once 'dangerous' pony a good name!
they havent got a loan agreement, S wants her back next year so she can sell her for 3K, she's very manipulative as she makes you think she's doing you a favour but she's not!!
ive told C do not take her to the indoor jumping season as its only bumping her price up.
should my friend insure this mare or leave it for S to do?
S is an AI belive it or not!! ive started to see her true colours over the last few months as when C had Xena the cute quiet 1 she was a moggy pony but now S has got her she's a connemara X!!!!!!
i just feel she's taking advantage of C's good nature, i keep telling C to give her back as they have a got a 14hh welsh D that her girl can bring on. please can anyone give me advice on any of the subjects so i can bang it in to C's head! she wants to ask S if she'll sell poppet to her for £1800 but i know she wouldnt do it, no matter what a good friend she's only out for the money!!!

sorry for the rant!! dont think i missed any thing out!!

heres a pic of poppet and C's daughter, this was the 1st time she rode her and it was a hired out XC course!

and here's S's daughter on Xena

 

[magicchett]

Its all a bit suspicious! You don’t thing they're beating the mares!?

If that was me in you position, I wouldn’t let them go back to her, buy them of her and sell them on to a nice loving home!...(im one of those people who wants to save all the animals in the world!...its not really working yet but I’ll get there! Just a couple billion to go!)

Can horses really go from sane to nutty in a short space of time if it wasn’t the fault of the owner/rider who’s care they’re in? I suppose, .. in pain,..living conditions (which boils down to owners care to sort it out!?)

NF is absolutly stunning! looks very sweet!

 

[jrp204]

I wouldn't have anything on loan without a loan agreement and up to date insurance, even if i have to pay for it, if there was an accident while the pony was in my care i don't want the worry of the owners wanting me to cough for vets bills etc or loss of use of the pony. I agree that you're friend is being taken advantage of and that you're all better off without this person or at least as far as ponies are involved. If she is using the kids to add value to her ponies by competing them perhaps she may like to pay for entries and for the kids time etc!

 

[Puppy]

Erm....Yes, I insure my horses.

I'm sorry, but I struggle to see much relevance to the question in the title and your actual post

What is it you are asking? Should she insure a mare she has on loan?? Well I would have thought that would be specified in the loan contract.

Of course I may have misunderstood your post though as it's a bit difficult to read

If I were you I would hope the people involved don't stumble upon this post

 

[Donkeymad]

Without actually commenting on this particular situation, I believe that any horse being taken out should be insured. On saying that though, are you referring to Veterinary Insurance in particular?