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Pony insurance
If you’ve got a pony, you’ll be aware that they’re not the cheapest of pets to look after! It’s therefore important that you have sufficient insurance to safeguard you against the potentially very costly bills that will inevitably mount up should the unexpected happen too your pony. You will need to ensure your cover is comprehensive enough to make sure you are not financially disadvantaged should your pony get stolen, stray or die.
As with all insurance policies, you can choose the level of cover you want. Basic levels of pony insurance are the cheapest, but only include minimal cover, if any, for veterinary treatment. Basic level pony insurance is likely to include 3rd party liability, meaning your policy will pay out should the actions of your pony cause any damage to either individuals or property.
3rd party liability is also included in more comprehensive levels of cover. These will also provide higher levels of cover for vet’s fees, and may even contribute to alternative treatment during the rehabilitation process. However, there is usually a limit on either the duration or cost of your pony’s treatment. Also with more comprehensive cover, you may well have accidental cover for your equipment such as saddles, and even cover against the theft of such equipment. Some specialist pony insurers will provide cover for your pony box/trailer, as well as personal injury cover for the rider.
Naturally, the cost of the policy’s premiums will depend on the level of cover which you choose to take out. Pony insurance providers will also take other aspects into account when giving you a quote, such as the value of the pony, as well as the location in which it is kept.