Buying a horse from Ireland – equine insurance options explored

July 14th 2016

You’ve done it. You’ve bought a horse from Ireland and you’re waiting for it to make the long journey to its new home. So the question is whether to take out equine insurance for this precious cargo and, if you do, what are your options?

Transit only

It is possible to provide equine insurance for a new horse for the journey across the sea only, and insurance brokers usually refer to this as a ‘transit policy’. The equine insurance policy incepts at the stable of origin and stops at the stable of destination, so the horse is insured whilst in the lorry and travelling on the ferry.

The advantages of a simple stable-to-stable transit policy is that they are relatively cheap and they provide protection for the horse during the sea journey if a disaster was to strike. The new owner of the horse is protected if the horse dies before it arrives at its new home.

However, experience tells us at Lycetts that the journey itself tends to be relatively low risk, and most injuries occur in the first few weeks while a horse settles into its new home; not while it is in the care of a reputable equine transporter. Whilst we are happy to quote for a stable-to-stable transit risk, we recommend that owners consider insurance for a slightly longer period of 30 days.

30 Days including Transit

30 days including transit is one of the more popular equine insurance transit polices that we sell at Lycetts. The cover is much broader, and as well as death and theft we are able to offer additional cover options including  veterinary fees incurred as a result of an accidental, external and visible injury  and third party liability.

This covers scenarios such as a horse getting  travel sickness and dying several days after arrival, or where an uncharacteristically excitable horse receives a kick or damages itself in the field or stable.

Transit insurance is a niche sector, and at Lycetts we recommend that at the very minimum people insure their horse for 30 days including transit.

First year

Although we are well aware that a lot of hunting people do not take out equine insurance for their horses in the conventional sense, preferring to meet unexpected bills as and when they occur, there is logic in extending cover to the first twelve months. It is usually when a horse is finding its feet, during the first season in a new area, perhaps encountering a different type of obstacle or rough country, where injury is most likely to occur.

A Mortality with Life Saving Veterinary and Surgical Fees equine insurance policy covers many serious illnesses and injuries and can include anything from a black thorn injury to colic surgery. It also provides cover for a severe fracture or even a flush procedure if a horse steps on a rusty nail whilst going across country. The insurance is designed to keep the cost down but cover you for the most expensive vet’s bills.

Find out more

At Lycetts we deal with equine insurance for  all types of horses,  including Olympic eventers, international showjumpers and racehorses. We also understand the specific requirements of the hunting community and are happy to discuss the best type of policy for you.

Come and visit us at the Festival of Hunting at Peterborough or telephone Zoe Wales or Rosemary Whitehouse on 01638 676700.

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Zoe Wales

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