advice pls!

[lozza1985]

hi ill try and keep this simple! i used to have horses when i was younger up untill the age of 14 ish where i got into boys and fashion etc i now have 3 children and family members have horses so i havnt ever been far from one, just lately my friend moved yards and theres a lady that owns the yard and lots of ponies there s one in paticular that caught my eye mentioned that i loved her and so did my kids and she said she would be more than happy for us to look after let kids ride her etc as she just out in the field at the mo and would love some attention . so im over the moon so are the kids we have started buying bits (i couldnt resist)im going up to see her in the week to sort it properly my friend seems to thinks she might not want any money shall i offer some ? its been a while since i paid for a hprse so dont know how much changed lol!!i hope this makes sense!!

[Eve]

about £20 per week is cost of keep.

Offer to pay for shoeing... about £60 every 6 weeks, or if no shoes buy the feed or rugs or vacinations or wormers.. all adds up.

easier just to offer a certain amount every week.

Riders insurance is also a good idea to cover you and kids incase you cause injury.

[lozza1985]

thanks eve for you help , where is the best place to get rider insurance from and will they insure young children i have one 7,3,2 year old ?xx

[Saggyoldclothcatpuss]

Rider insurance is cheap and convenient, but, a few years ago, our pony was in an incident at a show, which resulted in someone wanting to claim from is. Dd had rider insurance. When we looked into it, we were told that you can't make a claim for public liability against a child. The claim would have to be made against the parent. Which confused me slightly! Why insure your child then? I would say, insure the horse instead. That way all 3 kids are covered for riding it, you get public liability, vets cover which you could well need if the horse was injured when you were using it, an death cover so if you were in an accident, the owner would get the price of her horse back if it died. We always used a company called E&L, but have recently found out that our vet calls them Excuses & Lies which doesn't sound good!

[oldernowiser]

We're insured with NFU Mutual, who are really good (recommended by our vet)Also, if the kids join the Pony Club they have public liability insurance.

[CMOTdibbler]

Saggy - DH works in insurance, and E&L are widely known in the same way as your vet describes in the industry. NFU are known as wanting to help their customers on the other hand

[Saggyoldclothcatpuss]

CMOT what does your DH say about insuring kids? I was really worried when I was told about not being able to claim PL against a child. At the time we only had rider insurance. Turned out okay but was not a good time.

[lozza1985]

hi regarding rider insurance has any one heard of sport cover direct ?

[CMOTdibbler]

He says that as the responsible adult for the children, you need the PL insurance as children can't be held liable

[Saggyoldclothcatpuss]

Which does make sense, so why sell pl with kids insurance!!
I ditched the rider insurance anyway. Have bhs membership which covers all my horses for PL.

[lozza1985]

so whats best too do? that sports direct cover any age for children its i think 38 pound a year for each child ?

[Saggyoldclothcatpuss]

Well I don't know what Cmot's husband would say, hewould be the best advisor, but after my experience I wouldn't bother with rider INS for kids. I'm pretty sure cash if my kids got maimed wouldn't be top of my priorities. Public liability is much more important, and probably vets bills next. I'd insure the horse. You get PL then, vets, tack cover and you are covered for any rider. Also if it's a loan and anything awful happened to it you have death cover so owner would get the horses value back.

[Eve]

pet plan also do rider insurance.

Have also heard bad things about E&L.

[Eve]

..and horse should probably already be insured for its illness and injuries, rider insurance is to cover you in case of an accident to horse or a 3rd party whilst horse is under your control.

[Saggyoldclothcatpuss]

But isn't the first covered by the veterinary cover on the horse an the second by the public liability?