Every little girl dreams of owning her own pony or horse and when some grow up they live that dream when they purchase their own horse. Horses are not cheap to buy or keep and if you take into account the possibility of accidents and illness, the outlay throughout your horse’s life could be staggering. This is why you might want to consider taking out horse insurance for worry free riding.

Horse insurance covers a range of events depending on the amount you wish to pay for insurance. The most basic form of cover provides you with financial help in the event of the death of your horse, loss or theft. As your horse could have cost many thousands of pounds a policy could be a great help financially. Typically the insurance provider would pay out the sum you had chosen to insurance when taking out the insurance. Remember that your policy comes with a certain amount of excess which is the amount you have to pay out of your own pocket.

A horse insurance policy may cover the cost of up to so much in vet’s fees per year, third party liability in the event of your horse damaging someone’s property or a third party and personal accident insurance.