25/08/2026
๐ฒ Cost isnโt the only comparison you need to make when choosing which insurance broker to place your horse with ๐ฒ
Equine insurance is very different to car, house and health insurance. Coverage terms and conditions can vary widely between insurers and itโs important to understand these differences.
Important terms to look for when comparing insurance options:
๐ท Fair Market Value vs Agreed Value โ the difference can impact what you get paid out in the event of a claim
๐ท Renewal Extension Clause โ These impact health document requirements and exclusions for injury and illness at renewal
๐ท Life Saving Surgery Cover vs Vet Fee Cover โ Two separate extensions with different cover parameters and the limit availability varies with each insurer
๐ท Underwriter experience and reputation in the field โ some UWs are new to equine insurance and others have decades of experience. Familiarise yourself with your underwriter and their experience in the industry.
Reach out to our team if you have any questions about your insurance policy โฌ๏ธ
โ๏ธ 1300145830
๐ง [email protected]
Copyright ยฉ๏ธ 2026 Howden Equine Pty Ltd (ABN 46 091 731 225 | AFSL 2356666). Silks Insurance Pty Ltd (ABN 15 639 058 718) operates as an Authorised Representative (AR 1280952) of Howden Equine Pty Ltd. Please read our Financial Services Guide www.howdengroup.com/au-en/financial-services-guide
Any advice or recommendations are general in nature and do not take into account your individual objectives, financial situation or needs. Please read all relevant Policy Wordings, Product Closure Statements and any other information we provide before deciding if this is right for you.