1. I am looking to get an Arabian horse. I totally adore them. I wanted to know if they are suitable for a first time rider?

2. If the person I am loaning from has the relevant insurance do I need to take out any further insurance policies?

3. If the horse becomes unwell who should cover the veterinary cost -me or the owner?

Many thanks in advance," 

Kashaf

H&C expert - and former international show jumper - Johnny Harris replies:

“Hi Kashaf, I hope the below advice can help you with loaning your first horse:

1. Arabs can vary hugely in their suitability for novice riders; they are very sensitive and intelligent, with quick reactions. Therefore a young and/or inexperienced Arab is most definitely not a novice ride. However an older individual who has been in a riding school or a busy working yard may be suitable. The most important consideration for you - and the prospective horse - is that you will have some expert help available as you will surely need regular advice. For your first horse, whether a loan or a purchase, you need someone who knows your capabilities to advise you. Look at horses that may be available from your regular yard which you may be familiar with. Always have a trial period with any loan, at least a month, this works for both sides in case of disputes or problems.

2. You must have your own personal insurance in case you have an accident. The insurance for the horse must be third party at least, in case the horse causes an accident. The insurance for the horse' value can be decided between you, but I would recommend full insurance including vets fees & make sure you have a copy of the insurance documents if the owner says that the horse is covered.

3. Cost of vet fees can be terrifying! Normally in loan arrangements the loaner is responsible for annual vaccinations & any costs due to injuries caused when being ridden. Outside this type of injury - kicked in the field, colic etc. - it can be a very tricky situation. I would suggest having insurance cover for vet’s fees and make sure you both agree on the vet who will be attending any injury to the horse.

Hope this helps & good luck with your loan horse."

Johnny