Cheap Horse Insurance Quotes

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Why do you need horse insurance?

Owning a horse can be a huge financial undertaking, and whether your animal is a beloved pet or a business venture it makes sense to protect your investment. Horse insurance may not be a legal requirement but it’s advisable to invest in a suitable level of cover – if the unexpected should happen then the costs can be devastating, but with adequate insurance in place you can be confident that everything is under control.

There are plenty of things you need to be prepared for when it comes to horse ownership, because if your horse was to be involved in an incident that caused unexpected costs you’d be held liable. It’s for precisely this reason that you need to invest in adequate insurance – those costs could quickly add up, and whether your horse caused a traffic accident or kicked out at someone you could be facing hefty compensation claims. But, you also need to be prepared for any unexpected veterinary bills or any additional costs should the worst happen, and having adequate insurance in place will help ease the financial burden.

Features to include in your policy

There are a number of different features you might like to include in your policy depending on your circumstances and budget, and here are just a couple that should be at the top of the list:

• Public liability cover. This should always be considered as it will protect your finances against any third party claims, and considering the litigious nature of our society it makes sense to be prepared.
• Cover for veterinary fees. Vet bills can be incredibly expensive particularly with an animal of this kind, and for many owners paying those costs can often be difficult. That’s why it’s advisable to be insured for any medical treatment to ensure you don’t get a nasty shock when the bill arrives, giving you the peace of mind you need during an already difficult time.

Of course, if you’re insuring your horse you’ll probably want to incorporate cover for the rider too, making personal accident cover an important addition to any policy. This can be extended to include anyone riding or even handling the horse to ensure complete protection, putting your mind at ease no matter who’s involved. Make sure to consider the cost of any essential equipment as well – it’s often wise to include cover for saddlery and tack should theft, damage or vandalism occur, and you’ll also want to look into the option of cover for any horseboxes and trailers to ensure everything’s taken care of.

It doesn’t have to stop there either, and there are a number of additional features that you might like to consider depending on whether your horse is solely used for leisure purposes or has more financial importance. Permanent loss of use can be a valuable addition should the horse be unable to continue with its insured activity, and although not nice to think about, it’s important to be prepared for the death of the horse too – you can often have a policy extension that can be put towards the cost of removal, burial or cremation, offering valuable financial backup during a difficult period.

The importance of seeking the specialists

As you can see from the number of considerations you’ll have to make, arranging horse insurance isn’t always easy. The sheer range of choice on offer and the number of different policy features means it’s vital that you speak to specialist insurance companies – you need a policy that can give you the exact level of cover that you need but it’s also good to know that you’ve got experts you can call on to provide additional support, and they always need to be able to offer bespoke policies that can be built around you. This ensures total protection yet also means you’re only paying for the cover you require, so always discuss your needs thoroughly with your insurer to make sure you’re left with the perfect policy.

How to find the quotes that you need

The best way to source potential quotes may be to head online. This will make things far easier as you’ll be able to do your research at a time that suits you, and the number of different companies out there means you’ll soon find one that could meet your needs. You’ll want to search based on a combination of your budget and the features you want to include, and always remember to compare the options if you want to find a good deal  – it’s only by performing comparisons that you can be sure you’re making the right decision, because it’s vital you’re left with a policy that offers an adequate level of cover at a price you can afford.

But, getting the right cover doesn’t mean you have to spend a fortune, because if you spend the time to look you’ll soon see where savings can be made. Different insurance companies will be able to offer different features and as such will have different prices, so always see what’s out there and you’ll soon find the deal that is right for you. Make sure to look for added discounts as well if you want to save even more, and if you insure more than one horse under the same policy you’ll often be able to enjoy even better savings – that’s why researching is so important, because if you spend the time to look you’ll soon be able to track down some great deals.

Have peace of mind and protect your horse at the same time

It’s never nice to think of the unexpected happening, but it’s important to be prepared for anything that could come around the corner. Your horse deserves that extra protection and so does your bank balance, so make sure to invest in adequate horse insurance and you can have the peace of mind you need that you’re doing the best you can for your animal.

Pet Insurance Quotes

Pet insurance is essential nowadays as rising vets fees make it expensive to treat your dog, cat, rabbit and even exotices such as birds and reptiles.

Dog Liability Insurance

Third party liability cover is included in most insurance policies these days, but what you might be surprised to know is that it’s covered in dog insurance policies too. There’s extremely good reasoning behind that fact, and dog liability insurance can actually be incredibly advantageous.

As a dog owner, you’re personally responsible for the actions and behaviours of your pet. If they were to do anything that damaged or injured someone else or their property in any way then, either through charges or compensation claims, you’d be required to pay any costs or damages incurred. That’s where dog liability insurance comes in.

This type of cover protects your financial interests in the event that your dog damages someone or something else, perhaps through personal injury to the individual themselves or even if your dog ran across the road and caused an accident. In some cases the level of cover even extends to the event that your dog caused the death of someone else – in such circumstances the compensation claim made would be extremely substantial, and without adequate insurance you’d have to pay that out of your own pocket.

There are a couple of pieces of legislation that tie in to this type of insurance, the main one being the 1991 Dangerous Dogs Act. This states that an owner of a dog who injures someone else would be liable to fines, a criminal record and even a prison sentence, and of course compensation claims. The dog would also have to be put down, and if you don’t want to suffer the financial upheaval as well as the emotional one it makes sense to be fully insured.

However, it’s worth noting that dog liability insurance tends to be offered in conjunction with a broader pet insurance policy and isn’t usually offered in its own right. This means that you need to check the small print to make sure that adequate liability cover is in place, as you don’t want to have a nasty shock if any claims were to be made against you and your pet.

Owning a dog comes with a host of responsibilities, and that includes keeping your dog under control. The financial (and even criminal) consequences of failing to do so can be severe, so it pays to have adequate dog liability insurance in place to cover your expenses should the worst happen. So, make sure you take the time to find the right insurance policy with enough liability cover so you can own your pet with confidence.

Parrot Pet Insurance

More and more of us are catching on to the idea of having pet insurance, and when you consider the financial costs of owning a pet it’s certainly wise to do so. However, if you’re new to the concept you may be surprised to know that it’s possible to get specific parrot pet insurance, and if you’re a parrot owner yourself this can be hugely beneficial.

Parrot insurance should always be considered for all parrot owners, especially given the fact that these birds can often be quite expensive to begin with. They’re prized animals and can command a high price on the black market, and as such there’s always the risk of them being stolen – if that were to happen the emotional damage would be bad enough, so it makes sense to be covered against the financial damage as well.

Then there’s the cost of vets bills. Anyone who owns a pet of any kind is sure to know that they can quickly add up, and given that parrots are so specialised their bills can easily sky rocket if they were to become ill or injured in any way. It makes sense to be prepared for that fact, as no matter how much we try to avoid it there’s always the chance that something could happen.

That is, after all, the whole point of having parrot pet insurance in the first place. There’s always the risk of your pet becoming ill, injured or even stolen, and if you don’t want to have to worry about the financial implications as well as the emotional ones it makes sense to be prepared, even if we don’t like to think about it too much.

That’s why it’s so essential to choose your insurance policy carefully. Different insurers and even policies will include different things as standard, so make sure you do your research to make sure you’re getting what you need. It’s often a good idea to go for specialist or niche insurers, ideally those that specialise in exotic birds or animals, as they’ll know just what you need to be adequately covered.

So, although parrot pet insurance is by no means a legal obligation, it’s certainly wise to invest in some. It can protect you against any financial costs should the worst happen to your pet, so always spend the time to choose wisely to make sure that you’re completely prepared for anything that could occur.

Exotic Bird Insurance

Having pet insurance is becoming more and more common, but one of the more specialised areas has got to be exotic bird insurance. At first glance it seems highly unusual, but if you think about it, why should it be? Exotic birds are pets too, and given that they can often be quite expensive it makes sense to have them fully insured.

Insurance for exotic birds should always be sought to cover things like vets bills, theft of the bird and injury to it, as the costs incurred from any of these things can quickly add up. Although this type of insurance is by no means a legal requirement it certainly makes sense to have cover in place, as this will protect against any financial loss in the future.

Vets bills can be incredibly expensive, so cover for this should be the very least that’s offered in a policy. The theft of exotic birds is also on the rise, with the price of many birds being increasingly high on the black market. Because this is becoming a frequent problem having cover against the potential theft of the bird should also be included, particularly when you consider the amount it could cost to replace it.

It’s never nice to think of anything happening to a beloved pet, but unfortunately things can and do happen. The emotional strain is going to be bad enough so it makes sense to prepare for the financial strain as well, as having a combination of the two can be an awful lot to cope with. That’s what makes exotic bird insurance so important – it protects families from financial strain during difficult times.

The price of such insurance is sure to vary according to the company chosen and indeed the level of cover, so it’s wise to do adequate research. Make sure to carefully read the small print so as not to have a nasty surprise in the event of a claim being made, and always make sure the policy is as comprehensive as possible. This could result in higher premiums, but in the long run the money saved will be well worth it.

So, although not legally required, exotic bird insurance should always be considered for owners of these pets. It can take the financial strain away from a difficult situation and can give exotic bird owners valuable peace of mind, so adequate insurance should always be sought as soon as possible.

Rabbit Insurance

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Pets really can become a person’s best friend, and as such it makes sense to have them protected against anything that could happen to them. Although most people think this type of insurance is only offered for cats and dogs, there are insurance options for just about every pet. And, rabbit owners will be pleased to hear that pet rabbit insurance is just one of the many possibilities.

Pet rabbit insurance should always be considered for anyone who owns a pet rabbit. This ensures that everything is completely covered, from vets bills to the theft of the rabbit itself, meaning that there’s no danger of losing out financially if anything were to happen.

There are varying levels of cover that can be found in these types of rabbit insurance policies, with the cheaper options providing lower levels of cover than what could be found in more expensive policies. Going for cheaper options could mean that there are limits on the level of treatment offered and the money given in the event of a claim, so it’s always advisable to go for slightly more expensive options.

More expensive policies, although obviously costing more in the short-term, could easily be a lot more cost-effective over the years. There’s always the chance that the rabbit could contract a lifelong illness, and cheaper policies often won’t cover the costs of such long-term treatments.

The type of benefits that can be gained from having a comprehensive policy include things like vets bills cover, emergency treatment costs, accident cover and even lost passport cover and quarantine costs, and with the international lifestyle of a lot of people (and pets) these days the last two are wise to consider.

Above all, having adequate insurance set up means that rabbit owners don’t have to worry about the financial strain that could occur if anything were to happen to their pet. This peace of mind can be invaluable, and takes a lot of the stress out of pet ownership.

As you can see, pet rabbit insurance really is an essential consideration. It can offer a number of benefits to the rabbit owner and can prevent any financial hardship if anything unfortunate were to happen, and having that cover in place means that there’s no need to worry. Plenty of specialist companies are able to offer such insurance so it’s essential to shop around for the best deals, and the right insurance policy is just waiting to be found.

Euroferret.com is owned by Mediamash (NI) Limited, who are an Introducer Appointed Representative of Seopa Ltd. The quote system is owned and operated by Seopa Ltd, who are authorised and regulated by the FCA, number 313860. You can view our registration at www.fsa.gov.uk/register/firmSearchForm.do?sid=127135. We do not give financial advice on this website. If in doubt get professional advice and always read the policy information before purchasing an insurance contract.