covered

Multiple horses and a break

from the

norm with Harry Hall

Look out for new membership tiers at Harry Hall One Club u Generally, horse owners will insure their horse, tack, trailer or horsebox but leave themselves without any cover.

Platinum membership for up to 10 horses and Fracture cover is included as a member benefit when you select any ‘Enhanced’ membership.

All Gold and Platinum memberships include as standard, £10 million Public Liability & £10k Personal Accident benefits, up to 30% shopping discounts, free delivery & returns and a free legal advice helpline from £5.65 per month for Gold single membership.

For more information, visit harryhall.com for full policy details, terms and conditions.

Personal accident insurance can provide a lump sum to help if you have a serious injury. Also consider the addition of cover for broken bones which is not uncommon.

Some membership schemes include Public Liability and Personal accident as a benefit, along with other add-ons.

Vet Fees

It’s worth considering vet insurance to reduce the financial impact of veterinary intervention. After all, horses are horses, and at some stage in their 4-legged life, they may have an accident or develop a condition that requires a vet. Not all eventualities are covered as standard, and it’s important to check your policy for any exclusions.

For example you might want to consider adding colic cover to your insurance policy, colic cases that need surgery present a particular challenge, as intervention is usually required urgently. In addition, any period of general anaesthesia should be kept as short as possible. The risks associated with general anaesthetics in horses are greater than in humans or dogs. In colic cases, the situation may be further aggravated due to the release of harmful toxins from the intestine.

After surgery the horse will require significant post-operative care, meaning that the costs involved with colic surgery can typically run into thousands. Most owners would do anything for their horse and having suitable cover for lifesaving surgery provides considerable peace of mind.

Horse Trailer Insurance

Trailers are becoming an increasingly popular alternative to Horseboxes, due to their convenience and price.

Before you commit to a trailer purchase, it is vital to check your vehicle is suitable for towing a trailer along with the laden weight you plan to carry onboard. You can check your vehicle towing capacity in your handbook, on your V5 document or sometimes on a plate on the door sill.

If you transport your horse in a trailer, it’s recommended that you consider an insurance policy to minimise the impact of any unexpected events. It’s also worth checking that your breakdown service supports your trailer recovery including horses on board, as you may need a separate recovery policy.

There is an increase in trailer theft and most insurance policies will require you to keep the trailer in a locked building or u

Turning your horsebox dreams in to reality

A M Horseboxes have a team of dedicated designers and fabricators on hand to turn your horsebox dreams into a reality. They ensure the safety and wellbeing of both horse and rider are not compromised whilst traveling in one of their bespoke vehicles, and are also on hand for any repairs or alterations you may need to your existing horsebox.

u secured with a wheel clamp or hitch lock when it’s not in use.

With the rise in second-hand trailer values, it is also important to ensure that you have suitable trailer insurance in place covering the true value of your trailer. n