What to know before buying a horse

Buying a horse is an exciting milestone, whether you’re a first-time owner or an experienced rider looking for your next partner. But amidst the excitement, it’s easy to overlook the practicalities that make all the difference in securing a long-term, successful match.

At Howden, we understand that a horse isn’t just a purchase, it’s a relationship and a responsibility. That’s why we’ve teamed up with equine agents Exclusivia to highlight some essential steps to help you make a confident and informed decision.

And don’t forget, once you’ve found the right horse, having the right equine insurance in place is just as important. Howden can help you find tailored protection for you and your horse at every stage of your journey.

Is the horse a good match for your skill level?

The right horse should support your current ability while giving you space to grow. It’s important to assess your riding experience honestly and define your goals clearly—whether you’re riding for pleasure, competition, or simply companionship.

While colour, breed, or trend might influence your decision, compatibility is key. A calm, forgiving temperament may suit a novice rider, while an advanced rider might seek a more sensitive or responsive horse. The right horse should build your confidence, not undermine it.

Working with a reputable agent like Exclusivia can make a big difference. They specialise in finding horses that match not just your ambitions, but your actual needs, ensuring a smoother, safer, and more enjoyable journey together.

Don’t skip a pre-purchase veterinary exam

A pre-purchase veterinary exam is an essential step in responsible horse ownership. Conducted by a qualified equine vet, it can reveal existing or potential health issues that may affect the horse’s soundness, performance, or future care needs.

In fact, many insurance providers now require a vetting for horses over a certain value before cover is issued. This exam isn’t just a tick-box exercise. It’s an opportunity to assess whether the horse is “fit for purpose.” A horse may suit your needs now but require long-term maintenance that should be factored into your decision-making and insurance plan.

It’s about more than protecting your investment, it’s about protecting the welfare of the horse you’re bringing into your life.

Common pitfalls to avoid

Some of the most frequent mistakes in horse buying are entirely avoidable. These include:

Prioritising looks over suitability
Underestimating the level of care and commitment involved
Skipping due diligence on the horse’s history or the seller’s credibility
Failing to get professional input – speak to experienced equestrians, instructions, veterinarians or equine agents

Always ask the right questions and take your time. Rushing into a purchase can lead to a stressful outcome for both horse and rider. Be honest about your abilities and bring in expert guidance from equine agents like Exclusivia, as well as instructors and vets. Their insight can save you from costly or emotionally difficult surprises.

Protecting your partnership

Once you’ve found the perfect equine partner, protecting that partnership is essential. At Howden, we offer specialist equine insurance tailored to your needs, whether you require cover for veterinary fees, permanent loss of use, public liability, or mortality.

We understand that every horse (and rider) is different. That’s why our policies are flexible, with options for leisure riders, competitive owners, and professionals alike. With the right cover in place, you can enjoy your time in the saddle with greater peace of mind.

So if you’re looking for a horse, you can start your journey with Exclusivia, trusted equine agents dedicated to finding the right match for you. And when you’re ready to talk insurance, Howden’s equine team is here to help!

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This is a marketing blog by Howden Insurance.