HORSE INSURANCE

What you need to know to keep you and your horse

In today’s world of rising prices, finding ways to save money wherever possible is top of the agenda for most horse owners.

One area that is likely to be examined when it comes to considering outgoings is insurance. It’s certainly wise to have some cover in place to provide financial protection in the event of injury or accident. But how do you make sure that you are adequately protected?

We asked Lisa Ripley, Head of Customer Operations for one of the UK’s leading equine intermediary providers, Harry Hall, for her advice on what to consider when taking out horse and rider insurance.

Lisa said, No matter how much we try to prepare for any eventuality, there is always the chance of something unexpected happening. As such, having the right insurance to provide protection against financial loss is valuable. Think about what you want to have protection for and ensure the policy you purchase meets your needs by reading your policy and taking note of any terms, exclusions, contributions or excess you will be responsible for. In short, having the right insurance cover can help us cope with whatever the future may bring.”

Lisa continued, If you own a horse, ride a horse, or look after a horse, it’s important you have Public Liability Insurance. This is because if your horse was to injure someone or cause damage to someone else’s property, you could be legally liable for financial compensation. These claims can be significant, but with this insurance in place, you can avoid a huge bill. Without cover, your home or other assets could be at risk if the claim is large.”

Some insurers also offer a legal helpline or cover for legal expenses. u