This is another free inclusion which comes standard in your horse insurance policy, offering you further peace of mind in the event of theft or disappearance.

It’s pretty self explanatory – you just need to notify the police immediately and a claim can be paid out if your horse has not been found or returned to you within 90 days.

You are also covered for up to $300 in advertising expenses to try to find your horse. Once again, Nil Excess.