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Horse insurance : new product launched by Cornish Mutual

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A new insurance product for horse owners in the South West has been launched by regional firm Cornish Mutual for the first time.

The company, which has thousands of Members across Cornwall, Devon, Somerset and Dorset, now offers a wide and flexible range of bespoke equestrian insurances to help protect against the unexpected consequences of owning a horse.

With cover available for horses and ponies of all ages, the insurances offered by Cornish Mutual can be tailored to individual requirements. Varying levels of cover can be provided by the insurer, which is based in Truro with offices in Exeter, including vets fees, liability to third parties, theft, loss of tack, and disposal and loss of foal.

Alan Goddard, Managing Director of Cornish Mutual, said: “We understand that horses and all aspects of the equine sector are synonymous with the countryside and the rural community in the South West. We listen to our Members, hear what they have to say about our products and services and we’re delighted to be able to offer insurance for horses as a result. We recognise the importance of broadening our product range and we will continue to service the changing needs of our Members.”

As many riders in the South West are aware, injury due to horse riding accidents is not uncommon and Cornish Mutual arranges cover for personal accident, death or serious injury caused by the horse or while out riding. With the average vets bill costing around £1,500 and advancements in veterinary diagnostics and treatment costs for horses escalating, the insurance allows Members to select the level of cover required for up to £5,000 per incident for horses aged under 17 years (subject to an excess).

Should a horse suffer injury or illness, loss of use can be covered to up to 100 per cent of the value of the animal (depending on the policy). The company also provides access to a free 24-hour helpline for Members to get advice in an emergency, as well as a round-the-clock vet helpline and legal protection cover in the event that the owner is unable to contact their own vet.