subject: Checking out and Comparing Horse Insurance [print this page] Checking out and Comparing Horse Insurance
One of the easiest places to check out and compare horse insurance is online. You can check the cost of the premiums for cover very quickly if you use a comparison website and you can do it from the comfort of your own home. Just as important as the cost of cover is what you get for the money you pay and you can check out the terms and benefits of insurance online too.
Almost all comparison websites will allow you to fill in information just once and from this you are able to check out how much a policy is with numerous providers. This saves you a great deal of time not to mention allows you to make sure that you have the insurance policy that you need. There are some things that could affect horse insurance quotes these include:
How much excess the insurance provider asks for. This can vary and if the insurance premiums are very cheap this might be due to the fact that the excess is a lot higher than with other providers.
What you get for the premiums. Very low insurance premiums could mean that the limits to the amount you are able to claim back per year is very low or that you do not get as much for your money as with other insurance providers asking higher premiums.
The age of your horse when taking out the insurance policy. Typically younger animals are cheaper to insure than older ones.
Benefits you could find in insurance
The benefits to be found in horse insurance could vary with providers. Usually insurance covers certain things and these are:
The theft or loss of your horse due to wandering. The insurance policy usually pays out towards any advertising costs or a reward for the safe return of your horse.
Death of your horse due to the horse suffering an illness or an accident.
Protection against theft of your tack and saddles.
Financial help towards vets bills of up to so much each year.
Third party liability insurance in the event of damage to a third person's property or injury to a third party.
Loss of use of your horse if you use it for events and showing.
Personal injury. Typically this is not included in a standard policy but it can be added in for a little extra. The policy would payout a lump sum if you became disabled following a riding accident or died.
Check out the terms
It is important to check out the terms of the cover very carefully as all insurance policies come with small print. There will be limits on how much you are able to claim for certain events such as loss of tack, death of your horse and money towards advertising costs and reward. There will also be certain precautions that you have to take regarding the security measures surrounding your horse, for instance making sure the paddock is secure and your horse is stabled over night.
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