Saturday, November 7, 2009

Horse Insurance: What You Must Know Before Getting Horse Insurance Quotes

Horse Insurance

Of all the types of animal we consider as pets in the UK the horse requires the most attention, dedication and training from an individual. It is also the most expensive to look after, the cost of feed and stabling means that only those that truly have an affinity with horses can afford to indulge.

Aside from the expense and dedication required to look after a pet horse there are also the insurance considerations. Unlike other pets your horse or pony is usually not just a pet but a training animal where you are also learning good horsemanship.

From an insurance point of view you have many things to consider, most important of which should be the health considerations of such a large animal. Veterinary fees if you do not already know can be very expensive. Even the simplest of veterinary procedures can land you with a bill for hundreds or pounds.

When you get horse insurance quotes you need to make sure you are getting good health coverage which should also include dental care. An important consideration is the age of your horse, the older they get the more expensive the premiums will become. Some insurers will give you a discount for insuring over consecutive years such as insuring your horse from a foal.

If you are going to take part in riding activity of which many owners are also riders you will need to consider the public liability part of your insurance cover. Not only can your horse become injured but it can also injure you or a member of the public. In these circumstances liability cover will protect you from claims resulting from such accidents.

With any horse insurance quotes you get there will be a component for the loss or theft of tack and equipment. It is important that you first check any stipulations relating to this cover, particularly the theft option. More often than not the insurer will require that any equipment you have is stored in a secure location, this can often mean you will require a locking mechanism that is of a certain standard such as a 5 point mortis lock.

You can get a very competitive quote online as you are able in many cases able to specify different options in your policy. This means you can exclude parts that are not relevant to your particular circumstances and thus reduce the premiums that you would be paying.

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