Re expenses hard feed.

2012paddy2012

I have full livery organised. I just learnt that winter "hard feed" is not included in the price , in the autumn and winter. What is this hard feed exactly and is it expensive !? Are there many other items required for a horse in full livery in the autumn and winter time.


Many thanks


Paddy

bob1984

Personally I have never heard of a "Full Livery" service that does not provide Hard Feed Hay, Hard Feed, Mucking out etc would be pretty standard

However it refers to the feed that a horse gets such as course-mix, beet-pulp, equestrian cubes etc. As opposed to the roughage which is hay or hayledge; Not all horse even need hard feed - it totally depends on the individual;

paddi22

i've never heard of a full livery not including feed either? that's really, really odd.
how much is the livery cost if you don't mind saying?
full livery should include cost of feed. hypothetically if you buy the feed, do they feed the horse or are you expected too?
some horses don't require hard feed if they are good doers and getting enough forage, you might just get away with giving a feed balancer so the horse gets enough vitamins and minerals. How much hay/haylage and turnout do they give per day?

other winter items can include stables rugs & winter turnout rugs.

2012paddy2012

60 quid a week. Includes

Daily turnout

Full livery to include muck out, turn out, bedding and hay twice daily €60 per week

This is the deal - also will loan horse box for inter yard competitions
Rugs grand have that sorted
Just looking at Allianz horse rider ins just short of 400 e is there cheaper.?
Have gold bhs junior in place already thks

Rips

2012paddy2012 wrote: »

60 quid a week. Includes

Daily turnout

Full livery to include muck out, turn out, bedding and hay twice daily €60 per week

This is the deal - also will loan horse box for inter yard competitions
Rugs grand have that sorted
Just looking at Allianz horse rider ins just short of 400 e is there cheaper.?
Have gold bhs junior in place already thks

You should be able to insure the horse for under €30 a month for just veterinary fees, and this is the most important.

For me, the cost of the premiums to cover other things negates the benefit.

Don't insure for death, theft, disposal costs or loss of use, its costs roughly €100-€150 to have the knackerman dispose of a horse, alive or dead.

Don't insure your tack, horsebox or for rider accident (since you already have BHS cover) You will have to insure for liability although it is already covered under your BHS insurance.

Existing conditions will be excluded, in your horses case that will probably include anything to do with his affected eye, or that side of his face, his sinus cavity, maybe even allergic conditions such as COPD or headshaking.

treccie

Hard feed was only ever once included in my livery agreement and then each horse was entitled to the amount of hard feed deemed appropriate by YO and only brand selected by YO. While this worked well for the horse I had at the time it would not suit my current horse as he is on specialised feed and some supplements. I buy the feed and supplements and they are stored in a cupboard in the tack room and yard owner feeds according to my instructions. To me this is the most sensible arrangement as it allows each owner to tailor their horses feeding to meet their individual needs.

2012paddy2012

Rips wrote: »

You should be able to insure the horse for under €30 a month for just veterinary fees, and this is the most important.

For me, the cost of the premiums to cover other things negates the benefit.

Don't insure for death, theft, disposal costs or loss of use, its costs roughly €100-€150 to have the knackerman dispose of a horse, alive or dead.

Don't insure your tack, horsebox or for rider accident (since you already have BHS cover) You will have to insure for liability although it is already covered under your BHS insurance.

Existing conditions will be excluded, in your horses case that will probably include anything to do with his affected eye, or that side of his face, his sinus cavity, maybe even allergic conditions such as COPD or headshaking.

Thks- I took rider ins and tack saddery and third party with Allianz didnt bother with otbers that's 110 - have to wait till passport comes back and get microchip details entered on it by vet I will then add vet cover which will not start for a further 14 days as per allianz conditions- that's another 250 euro - I dont know if premium drops aftet each year a bit or not its expensive- I also have gold bhs for kidsi will review the amount of cover next year but want everything covered for first year anyway - thks

2012paddy2012

treccie wrote: »

Hard feed was only ever once included in my livery agreement and then each horse was entitled to the amount of hard feed deemed appropriate by YO and only brand selected by YO. While this worked well for the horse I had at the time it would not suit my current horse as he is on specialised feed and some supplements. I buy the feed and supplements and they are stored in a cupboard in the tack room and yard owner feeds according to my instructions. To me this is the most sensible arrangement as it allows each owner to tailor their horses feeding to meet their individual needs.

This is very interesting- the guy that owns the yard is extremely decent. Nothing is a problem. I would imagine that most yards are the same- they get hard feed in bulk and will get it if you want it at discounted price im happy thks

Ah_Yeah

Rips wrote: »

Don't insure for death, theft, disposal costs or loss of use, its costs roughly €100-€150 to have the knackerman dispose of a horse, alive or dead.

I would disagree here. I have my horse insured for loss of use, death and theft. In the incident where one of the above does happen, I will get the market value of my horse back from the insurer. Given that my horse is worth €3k, to me that's worth paying insurance for.

Rips wrote: »

Don't insure your tack, horsebox or for rider accident (since you already have BHS cover) You will have to insure for liability although it is already covered under your BHS insurance.

You are not obliged to cover for public liability in your insurance with Allianz. I would agree on insuring tack, as you won't receive payout on a claim unless you can prove it was securely locked away (tack boxes and boots of cars will result in no payout).

2012paddy2012 wrote: »

Thks- I took rider ins and tack saddery and third party with Allianz didnt bother with otbers that's 110 - have to wait till passport comes back and get microchip details entered on it by vet I will then add vet cover which will not start for a further 14 days as per allianz conditions- that's another 250 euro - I dont know if premium drops aftet each year a bit or not its expensive- I also have gold bhs for kidsi will review the amount of cover next year but want everything covered for first year anyway - thks

How much is the horse insured for? That affects the premium. Ensure to only cover for the market value, and not what you think the horse is worth. Allianz will only pay out that value. I had a look on Donedeal for similiar horses, got a few expert opinions from my instructor and vet, and I came out about 1,500 less than I would have originally insured her for.

You shouldn't need passport or microchip to cover the horse for vets fees, you only need a 2-stage vetting dated within 30 days.

You also don't need rider insurance as it will be covered under the BHS Gold Membership.

Good luck to you and your son with your new pony!

2012paddy2012

It cost 600. Insured for 600.allianz require sight of passport before vet cover will commence. The vet fees only commence after 14 days after all required documentation including stage 2 vetting is received, the horse had no passport so I sent the fee and vet marking form yesterday , it takes 10 working days for this to arrive back to em.I didn't bother with loss of use death etc as it's only 600 euro and I am trying to keep costs which are high down to a reasonable level. I will have to start the search again for another horse should anything happen I will take the 600 loss. Thks

Ah_Yeah

2012paddy2012 wrote: »

It cost 600. Insured for 600.allianz require sight of passport before vet cover will commence. The vet fees only commence after 14 days after all required documentation including stage 2 vetting is received, the horse had no passport so I sent the fee and vet marking form yesterday , it takes 10 working days for this to arrive back to em.I didn't bother with loss of use death etc as it's only 600 euro and I am trying to keep costs which are high down to a reasonable level. I will have to start the search again for another horse should anything happen I will take the 600 loss. Thks

600 is mad money - my horse is worth €3k and the premium is €385. Are you sure you have your pony valued correctly and you are not insuring for things you do not need?

2012paddy2012

It's 380 for- vet fees (14days etc ) rider/personal accident 20k - 3rd party 1million saddlery tack 800. Very dear.
Did not take- death/theft stray/disposal/permanent loss of use/horse trailer...

I know bhs thst I have has third party liability etc ...I'm sure it's grand policy ..being in uk etc / there is a territorial clause in it ...I would love to know if anyone had to claim from inciðent in Ireland did it work out ok / didn't read policy on web fully does gold cover more than just 3rd party?!

I think Wexford ins do some sort of equestrian ins ? I really only need vet cover I will look at it again next year anyway

Rips

Ah_Yeah wrote: »

I would disagree here. I have my horse insured for loss of use, death and theft. In the incident where one of the above does happen, I will get the market value of my horse back from the insurer. Given that my horse is worth €3k, to me that's worth paying insurance for.

I sincerely hope the pony cost nothing near 3k

Its my understanding from the OP's post that this is a €600 pony.

No way would I be paying premiums for loss of use, death or theft, its not worth it.

OP sounds like its your rider personal accident that's pushing up the premium and you should already have this with BHS?

2012paddy2012

600 yap! I have rider etc in for 120_ its over 220for vet cover up to 5000.

Ah_Yeah

Rips wrote: »

I sincerely hope the pony cost nothing near 3k

Its my understanding from the OP's post that this is a €600 pony.

No way would I be paying premiums for loss of use, death or theft, its not worth it.

OP sounds like its your rider personal accident that's pushing up the premium and you should already have this with BHS?

I wasn't alluding to the fact that the pony was worth €3k, I was disagreeing with the poster who said don't bother with death or theft etc - if the OP goes around thinking this then he will never insure any animal that is worth money for death/theft etc. There are instances were this cover is valuable.

Ah_Yeah

2012paddy2012 wrote: »

600 yap! I have rider etc in for 120_ its over 220for vet cover up to 5000.

OP how much is the pony valued at?

2012paddy2012

Ah_Yeah wrote: »

I wasn't alluding to the fact that the pony was worth €3k, I was disagreeing with the poster who said don't bother with death or theft etc - if the OP goes around thinking this then he will never insure any animal that is worth money for death/theft etc. There are instances were this cover is valuable.

No interest in this post at this stage-
It states value here- its of no interest at that price to insure it- 150 to dispose of is acceptable to me-
Thks to all- mod you can close further replies if you wish- it was useful.thks

Ah_Yeah

Apologies, I read that the cost of your premium was 600. My advice was provided on this assumption, and I never suggested you cover your pony for death theft or disposal. No need to be so sharp.

paddi22

2012paddy2012 wrote: »

No interest in this post at this stage-
It states value here- its of no interest at that price to insure it- 150 to dispose of is acceptable to me-
Thks to all- mod you can close further replies if you wish- it was useful.thks

thats a bit of an arsey reply after people helping you across various threads from the start.

2012paddy2012

paddi22 wrote: »

thats a bit of an arsey reply after people helping you across various threads from the start.

I said thanks to all - includes you if you gave any advice that was positive-

That's what I meant- thread is there should anyone else that was on my position wish to glean any advice-

Not my intention to be arsey what ever that is-

Again I say- thks to all.