8 Things to Know Before Taking Out Insurance for Your Horse
In horse riding, insurance companies also have a significant turnover to make. This meets the needs of riders to cover themselves in the event of accidents or incidents. If you are also planning to take this precaution, here are 8 things you need to know.
Things to know about yourself
If you are planning to take out insurance for your horse, you need to know your purchasing power. It limits you and makes you clearly distinguish, for example on La Sellerie Française, the offers within your reach from the offers available to everyone.
By having a good budget, the rider knows what type of services to expect for what investment. As a result, he takes out insurance for his horse and continues to take care of day-to-day matters both in his private and professional spheres. He chooses the right guarantees for his situation.
His level of expertise in the equestrian sector must also bother him. The more he knows about his own skills and the challenges he can face immediately in the equestrian sector both for leisure and as a professional, the better he guides his choice of insurance.
Things to know about your horse
Owner data is not enough to decide which insurance to take out. It is necessary to know the environment in which the horse is living. If it is boarded or half-boarded, the situation will be different from its presence in a field. The risks will also be different.
The needs of the horse also matter. Here, it is a question of determining whether the horse has any particular health problems and whether it has any specific habits. If the horse prefers to go straight into the wind without limits then the risk of theft is great.
Things to know about insurance
As an applicant for an insurance offer, it is especially important to ensure that the offers are in line with the demand. In the best case, they must be specific to each request to promote the development of both the rider and his mount.
Before taking out insurance, you must therefore master the operation of your insurance from start to finish. To do this, it is wise to organize an interview with the insurer in order to discuss the clauses of the contract and the implications. The operation must be detailed to you in clear language for the uninitiated.
This way, you will have a clear view of the benefits that come from working with a particular insurer. It is therefore not enough to meet with an insurer to conclude a contract. It is advisable to see several and select the most advantageous one according to your request.
The most significant are the benefits related to the practice of horse riding, the customer management service and the promptness in the event of an incident or accident.
There are also disadvantages that constitute the limits of the contract. Beyond the clauses, the rider must manage alone to take care of his horse. He is therefore legally required to respect his part of the contract to continue to benefit from the trust of his service provider.