CBRHorse.Potts.net.au

The decision whether to insure a horse is based on both the value of the horse and the cost of the annual premium. Premiums are generally quite high which means that if the horse is worth less than about $500 you will have paid out the value of the horse in 4-5 years. Alternatively, if you have paid a large amount for the horse, the premium may be too big to contemplate.

It is worth trying to get a comprehensive insurance policy which covers not only death or loss of the horse but also covers owner death or disability, loss of equipment, and personal liability. A basic premium for a horse worth less than $1500 is about $100 plus stamp duty (about 8%). More valuable horses can be insured for an additional amount per every $100 increased value. Some companies will not insure horses worth more than $5000 or over 15 years old with this type of policy, while other companies may insure older horses with the provision of an annual vet check.

There are no insurance companies in Canberra which insure horses so you will need to go through an insurance broker in Canberra or deal direct with a company or broker in Sydney or Melbourne. Note: insurance brokers look after the interests of clients and will find a company for you to insure with, while insurance agents look after the interests of their own companies. You can use either, though dealing direct with a company may be cheaper because brokers may charge a brokerage fee.

Canberra Insurance Brokers

Realty & General Insurance
89-91 Tennant Street
Fyshwick ACT 2609
Phone: 280-7955,
fax: 280-6336
Contact: Chris Borg
Cover: specific policies for equestrian insurance, mortality, equipment, personal accident & liability.

NSW Insurance Brokers

George Murray Insurance Agencies
87 Berrima Parade
Surfside NSW 2536
Phone: (044) 72-8574, fax: (044) 72-8574
Contact: George Murray Cover: bloodstock insurance & liability, pony pack insurance, farm insurance and liability; 30 years in the business and good knowledge of horse industry

Gow-Gates Rural Insurance Brokers (A Division of Gow-Gates Insurance Pty Ltd)
Phone: (02) 635-3866
Contact: Beret Clark or Tony Stein (Recommended by the NSW Dressage Council).

Logan Livestock Insurance Agency Pty Ltd
21 Parraween Street
Cremorne
PO Box 360
Cremorne Junction
NSW 2090
Phone: (02) 909-1499, fax: (02) 909-8057
Cover: mortality, vet fees, saddlery, liability & personal accident & specialist equestrian cover. Thirty years experience insuring horses.

Robert Williams & Associates
22 Darley Road,
Manly NSW 2095
Phone: 1800-804-622, fax: (02) 976-2507
Contact: John Hallman Cover: mortality.

Wilburtins Insurance Brokers
PO Box 570
Hurstville NSW 2220
Level 8, 43 Bridge Street
Hurstville NSW 2220
Phone: (02) 580-4666, fax: (02) 580-3999, tollfree: 1800-221-695
Contact: Michael d'Apice (Bloodstock & Livestock Manager) Cover: death as a result .of. accident, sickness or disease; premiums vary depending on stated use of the horse, but are generally between 5% - 6.5% of the insured value.

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