How to Compare Horse Insurance Policies
When you've decided to buy horse insurance, the next step is to compare horse insurance policies offered by the various equine insurance companies based in the United Kingdom. This may seem a daunting task at first, but Animal Friends have a team of equine insurance specialists who can help; with a few questions your needs will become clear and the equine insurance policy with the benefits most closely fitting your needs will be identified. Let's begin...
First, when comparing horse insurance policies take a look at the overview of policies offered to you and the levels of cover that the insurers actually provide. There you'll get an idea of what's available and what is not. For example, if you wish to insure your mature horse and he's 18 years of age you can do so. We are happy to provide mature horse insurance for horses and ponies up to the age of 25 years at comparatively low cost.
Then, look at what you'd like to be insured. Do you want to insure just the horse for liability, or are veterinary medical expenses important? Will you be insuring yourself as a rider for accidental death or injury while riding? What about the equipment you need? Trailers, horse boxes, tack, and other riding gear will have to be replaced if damaged or stolen. When comparing equine insurance policies, have a look at the level of flexibility you are offered to include the broader aspects of equestrianism such as your horse tack and other riding gear.
Read the definitions which will tell you what is meant by each term. Every equine insurance company has specific wording that you should understand when making a comparison. In our company definitions young rider, for example will mean a rider between the ages of 5 and 18 years of age. Saddlery and tack definitions will explain exactly which equipment is covered by the insurance policy you are interested in.
Since horse and related equipment such as riding gear tack theft is an unfortunate but very real possibility these days, make sure that you include theft coverage and conditions offered by insurers in your comparison. Most equine insurance policies require purchase receipts and impose a waiting period before any payment can be issued against insurance claims made.
Territorial considerations must be clear if you trailer your horse to competition or for pleasure travel. Be sure that your travel destinations are covered within the policy you choose. Third party liability cover differs in specific conditions so make sure that the policy you choose adequately covers what you will participate in. Never buy horse insurance until you are certain of what is covered and what is not.
Our friendly staff will be happy to tell you about the best insurance coverage for your specific needs and at the most cost effective price. As horse owners and weekend riders themselves, they understand what is important to you, so call and ask them a question or simply click on the Get a Quote button and tell us what you'd like insured. You'll have your choice of options. When you need to place a claim, use our easy online insurance claim form.
The bottom line in comparing horse insurance policies is to be sure you are getting exactly what you need covered for a reasonable cost and from a trustworthy and ethical horse insurance company. We are known throughout the UK for our ethical business practices and are authorised and regulated by the Financial Services Authority (FSA).
Do you have a story to share with our readers about the importance of adequate equine insurance cover? Perhaps your horse had an injury which your horse insurance company refused to honour, and others could learn from your experience? Contact Animal Friends to share your story or experiences with difficult situations with others just like you who love horses - we'd love to hear what you have to say!
