Join Date: Oct 2010
Location: Some times Llanelian - North wales, sometimes Hull in East Yorkshire (UK)
I have full cover for my young pony including 3rd party liability, illness and injury and mortality. I don't do loss of use because it is prohibativly expensive (over here though if you do claim for loss of use you can keep the horse but they brand the horse with an L on its back). And I had full cover for stan, i've got 3rd party only on the other ponies
I have used all sections of my insurance policy in the past.
3rd party when my horse sat on the bonet of a car out on a hack, illness and injury several times including a couple of HUGE claims for stans leg. And I have claimed for the death of a pony, he was 20 at the time and they paid out the full amount he was insured for. They also covered the removal, post mortem and disposal costs which were huge.
What you get is entirely dependant on the company and the level of cover you want. I pay £50 a year for 3rd party for my oldies, and I pay £300 per year for full cover on my youngster.
Shop around and do ask about companies first. There is one company over here in the UK that is notorius for have extrremly low cost policies however they also NEVER pay out unless made to by the courts or you complain to the reg authorities.
RIDE your horse FORWARDS and keep him STRAIGHT
Last edited by faye; 11-18-2010 at 08:53 AM.