What if your horse fails the vet?

Finally (!) you’ve found a horse that you love, he’s passed the vetting and your pen is poised on your cheque book. So, don’t fall at the last hurdle. Here are some important questions and considerations you shouldn’t forget:

  • Ask to see his passport — it is illegal for a horse to be sold without one. And, go through his passport to check the description matches the horse in question.
  • Do your research to find out how much the horse will cost to insure. You could use an insurance comparison website, such as H&H Compare, for this.
  • When agreeing the final contract, it’s worth asking for a trial period — this would allow you some time with the horse to see if you are a good pairing. Bear in mind that if you’re buying from a dealer, there may be terms to a trial, so find out all the ‘small print’. Not all sellers will agree to this, but it’s worth asking.
  • When agreeing on a final price, be sure to negotiate. Most sellers will expect this unless they state ‘no offers’ on the advert.
  • You could ask for tack and rugs to be thrown in — you don’t know if you don’t ask and this would save you time and money once you get him home.
  • Once you’ve come to a verbal agreement, ask to have it in writing.
  • Always ask for a written receipt and ask the seller to write what the horse is suitable for (e.g. a schoolmaster, a child’s first pony).
  • Once you have purchased the horse, get him insured immediately for your own peace of mind.

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Ultimate guide to buying a horse