Is it compulsary to have your horse insured? I live in Scotland. Thanks!?

Question

Is it compulsary to have your horse insured? I live in Scotland. Thanks!?

Answer 1

No, it's not. But it's always a good idea - just in case.

Answer 2

No, it's not compulsory - but it is advisable.

Answer 3

I do not think it is but it is very very important to have adequate insurance cover in case of accidents in private or public places, illness, loss of use, etc and of course death.  

It does not help vaccination, shoeing etc, but could save you some nasty surprises otherwise.

Answer 4

HIYA! I LIVE IN SCOTLAND TOO!

NO YOU DON'T HAVE TO BUT THAT EXTRA £10-£30 A MONTH I THINK IS WORTH IT.

IF YOUR HORSE GETS SICK AND THE VET BILL IS HIGH THE INSURANCE CAN COVER SOME OF THAT AND IF IT IS STOLEN YOU GET £25,000 OR MORE.

I HAVE ALL MY HORSES INSURED BUT NOT AT LIKE £100'S OF POUNDS A MONTH! JUST LIKE £20 A MONTH WHICH COVER THE BASICS AND SOME VET BILLS.

Answer 5

no but it is a good idea to get insurance.

Answer 6

No it isn't but in practice it is essential. Lots of livery yards won't have uninsured horses on the premises in case they injure someone and there is a threat of legal action and in any case you ought to protect yourself in case you have or cause an accident.

Also on a more welfare-related note - if you can't afford to pay the full cost of treatment for a serious injury or illness, especially one that involves surgery you should take out vet cover so that the horse gets the correct treatment.

Answer 7

I would think it would be if you were to take it on a public road, however if kept exclusively on private land then no.

Well thats what i think.

Answer 8

It is a legal requirement but it is pretty much essential to have at least third party and liability cover.  This would cover a claim in the event of your horse causing damage if it got out of the field, was ridden on the road, hurt someone, etc.  On top of that you can choose whether to cover for vet bills, etc.  I have all my horses fully insured and this year has proved worth it as my eventer has been off for 6 mths with an injury and a vet bill of over £2,500 (another £1,000 to go on it tomorrow due to a scan) and our show pony having a bill of £250 for a lump removed.  Good I'd be even more broke than normal if I had to pay all that from my own pocket.

Answer 9

its not compulsary but if your horse escaped from its field and damaged someones garden, or if you were riding on the road and your horse got spooked and kicked a car you would get sued for the damage where as if you have insurance you claim off that. most horse insurances give about 1 million pounds in public liability and also cover the rider for hospital treatment, loss of limbs, dentist treatment etc... they are quite cheap only cost about £5 a month.

Answer 10

I would say yes, what would happen in the case of an accident?

Answer 11

i dont think it is although it is a good idea to do so to avoid costs if something goes wrong.

Answer 12

You dont have to, but it is very sensible to.