This is the second equine insurance Loss of Use option, again paying out if your horse is rendered incapable of fulfilling its use, though this is restricted to instances where your horse has sustained a career ending injury that is visible in origin and has been caused by external, accidental and violent means.

Why this Loss of Use option? It is positioned for those working off a strict budget, where cost is all important. Moreover all you need to arrange is a 2-stage veterinary certificate, to be presented to and agreed by underwriters before cover can commence..

This cover will provide protection of 60% of the sum insured and you can keep your horse if it is the subject of a claim. Again there is Nil Excess on this cover.