horse insurance?

Question

My mum and dad have been on the internet for days but all the prices for insurance are rediculse can any poony owner help a bit they've went NNNNNUUUUUTTTTTZZZZZZZZZ.Oh and whats better stabled or living out or winter-stabeld and summer-living out.

Answer 1

It deoends on the age and breed of the horse, insurance for my 25yr old section D was about £10.00 per month. Living out is always better, horses dont like being stabled. My mare at 25 yrs old lived outside in the winter unless it was really cold and raining then i would bring her in, she was happier outside, she was rugged of course.

Answer 2

go to your local insurance broker - your parents should know of one, or they'll be listed in the yellow pages. discuss your needs with the people there (you may need an appointment), and theyll give you a quote. youll probably be asked things like the value of the horse, age, tack value, what you will use it for, and whether you want third party liability included. (a good idea, by the way!) my insurance is about £230 a year, and it covers everything.

getting a quote like this means you can pick and choose the bits you want, so you can adjust until its a reasonable price.

have you got a horse yet or are you just looking into costs? because if you go for a quote now, youll get a rough idea but it may change by the time you get a pony you want to buy.
good luck though!

as to your other query, it depends on the horse, and the livery you would keep the pony at. if you are keeping it at home, its best to stick to what the pony is used to, so if it lived out all year with it's previous owners, leave it out. it also depends on the breed, and the area you live in.

whatever you decide to do about the pony's living arrangements, make regular checks on it for the first few weeks, to make sure its not to hot or too cold where it is.

good luck!

Answer 3

Insurance can vary hugely so depending on where you're trying we really cant advise you on where to look.
Regarding stabling though - for winter in by night and out by day is better - leaving a horse out all winter can result in syndromes like mud fever and other ground causing problems - at least when a pony is stabled by night you get to check the horse over on a daily basis checking for ailments - also winter grazing isnt the best as theres no nutrients in the grass so a balanced diet of feed and hay is also beneficial.
For summer - depending on what your pony will be doing - summer turn out is fine - however if you intend to showjump him or something energetic I would advise keeping him in at night to control the amount he eats as you dont want an athletic pony being overweight or podgy.
xx

Answer 4

It never ceases to amaze me that people will buy a large animal and not put any thought into it's care as if it was as easy as a dog or cat.

I agree with Born2Bloom, but since you are new and inexperienced horse owners, you'd be better off finding a proper local stable with an owner who will give you daily advice on taking care of your horse. It is hard WORK. The owner will also be able to provide insurance information and educate you on what you'll need regarding the work your horse will be doing.

Good luck, stay safe and for God's sake buy a helmet. You're going to need it.

~Jenn

Answer 5

First of all you don't say what kind of ins. you are shopping for. Everyone should have liability ins. on all their animals. If for some unforeseen reason your horse was to get in the road and get hit you are responsible for all damage. You could also very easily lose your horse. If the people who hit it are injured you will be sued for a very large sum of money you can bet. If somebody got hurt riding on your horse your in the same boat.
On housing, I have had horses for 39 years and every vet I've ever talked with say the same. Better left out.There are so many more environment issues to deal with when kept in a barn. They need fresh circulating air.I live in the very northern part of Vt. and this morning it was -25. My horses seemed plenty happy this morning.Keeping hay in front of them is what is most important. Grain does not heat a horse, hay does. The digestion of hay provides any needed heat. I have never blanketed a horse.The only problem I have is keeping my mares weight under control, she tends to always be packing on the pounds and is overweight again. They have a three-sided shed they can go into any time they want.

Answer 6

Around here nobody has horse insurance unless the horse is a show horse or a good race horse. But I also looked into it and found out that the prices are totally ridicules. I winded up getting insurance that covered my whole horse business, the rates are worth it if you have more then one horse to insure.

In the summer I let the horses out all day and bring them in at night. In winter I let them out in the day with about two or three blankets and a Slinky on, and they all come in at night. GOOD LUCK!!!

Answer 7

Insurance will be from about £12.00 a month if you want vet bills cover, no matter where you go.

And it's always better to keep a horse outdoors at any time of the year if you can (mud fever/sweet itch not withstanding). It's best for their mental and physical health. Just make sure they have very good shelter and a good rug if necessary.

Answer 8

Contact your vet about the insurance, they know who pays up when you need them to!
You need to learn a lot about pony care if you don't know what type of management is best. Look on the British Horse Society website, check out their books, and look for the Pony Club manuals as well.
Ponies cannot be kept alone, you must keep at least 2 in the same field other wise they go nuts and start trying to escape to find other horses.
Native ponies do well out as long as they are rugged and have a good field shelter, plus extra feed in winter and when they're working.
Thoroughbred types need to be stabled.
But even with a native type you need a stable for a tack and feed room, and one for emergencies. If the vet says to stable the pony, you must have one handy.
Ponies kept at grass need about 4 acres of land. You need less if they are stabled at night and out during the day.
They still need to go out in winter, you can't keep them cooped up indoors.

Answer 9

You dont need horse insurance. Just buy a horse and you get the pappers that come with it. Its better to have a stable for when it gets cold and rains. I know this because Ive owen horses all my life.