Already on ArticleSlash?

Forgot your password? Sign Up

Horse and Rider Insurance Basics

 


Visitors: 550
 1 vote

Horse and rider insurance can be purchased as a combination of insurance protection, or as separate insurance products. The cover is intended to offer protection to horse owners and equine enthusiasts who regularly ride the animals.

Horse insurance protects the health and value of the animal itself. Veterinarian fees, shots, and other health and maintenance care expenses can be costly over the life of a horse. Horse insurance plans usually cover per incident costs of up to 5,000 British Pounds. For a reasonable fee, horse insurance protection helps make proper care of the animal affordable.

Another key component of top horse insurance programs is a loss or death benefit. Given the high value drawn by some of the most successful riding and racing horses, owners want to be protected against loss of value of the horse in the event of unexpected disappearance or death. Cover in the event of an accident caused by your horse that harms another is also typically included. Standard personal liability is also common with horse insurance cover. This protection often includes standard cover of up to 2.5 million British Pounds.

The best horse and rider insurance plans are typically customized to the needs of each individual horse and owner. Horses have different levels of risk, value, health needs, and more. Similarly, horse riders have different needs. Riders that own their horses can be covered under a horse and rider plan. Regular equine riders who do not own their horses would likely opt for horse rider insurance only.

Horse rider protection covers riders of virtually any age against personal loss resulting form their riding. Personal liability cover ranges from 2.5-10 million British Pounds generally. The purpose of rider insurance is to prevent expenses vet fees and costs derived from borrowing or using another owner's horse. Another key element of rider protection is cost coverage for hospital benefits, school fees, and disablement expenses incurred by the rider.

Whether a horse owner or simply a riding hobbyist, it is important to obtain adequate horse and rider insurance to protect against the expensive costs of using and maintaining such large animals. Horses are integral animals in sport and recreation, but they can be expensive to care for, and there certainly are some risks to riders who could get injured. A good insurance provider will work with you to come up with the best valued plan to fit your needs.

(410)

Article Source:


 
Rate this Article: 
 
Home Owner Insurance and Term Life Insurance Basics
Rated 3.0 / 5
based on 1 vote
ArticleSlash

Related Articles:

Does Your Insurance Policy Cover Mold Can a Rider Help You?

by: Mark Decherd (June 21, 2008) 
(Insurance/Home Owners Renters)

Life Insurance - Should You Buy A Rider Or Complete Policy For A Spouse, Child ..

by: Chimezirim Chinecherem Odimba (December 31, 2007) 
(Insurance/Life Annuities)

Horse Racing Basics

by: Delrick Mckay (June 24, 2008) 
(Recreation and Sports/Horse Racing)

Basics Of Horse Feeding

by: Louise Cordell (February 05, 2008) 
(Pets/Horses)

Horse Grooming - Brushing Basics

by: Susanne Malloy (September 18, 2008) 
(Recreation and Sports/Equestrian)

The Three Basics of Successful Horse Racing Handicapping Can Be Summed Up in ..

by: Bill Peterson (July 23, 2008) 
(Recreation and Sports/Horse Racing)

Horseback Riding Tips - The 5 Fundamental Horseback Riding Tips Every Horse ..

by: Clinton Lyons (February 07, 2008) 
(Pets/Horses)

Insurance Basics Part IV - Unit Linked Insurance Plan - ULIP

by: Prajna Capial (September 10, 2008) 
(Insurance)

Why Horse Riders Need Insurance

by: Nicholas Hunt (August 10, 2008) 
(Insurance)

Home Owner Insurance and Term Life Insurance Basics

by: Jeff Jarred (August 16, 2008) 
(Insurance)