Okay so at the riding school I attend I’m planning on loaning a pony there, she’s a 6 year old connie, 14hh. She’s an advanced riding school pony so she jumps up to about 1.10-1.20m right now. I also work as a stable hand. She said that if i was to full loan it would be £45/week. She stated that she would pay for feed, hay ledge and straw, and I would have to come down once a day to muck out ride groom etc (they feed one feed a day depending on when i come) Do you think i would be paying for vet+farrier fees? Also are there any other fees that i should know about?
Loaning Costs, PLEASEHELP LOL
- Thread starter poppyequine
- Start date
How exciting ? I would definitely ask them if that’s a flat fee with no extras or if there could be additional costs, it could be either way depending on their set up.
There could be a host of additional bits as well as vet and farrier; worming, dentist, stable/grooming supplies, rugs, tack repairs etc etc obviously these aren’t all for definite costs but could all be needed so it’s worth knowing up front who would be responsible.
There could be a host of additional bits as well as vet and farrier; worming, dentist, stable/grooming supplies, rugs, tack repairs etc etc obviously these aren’t all for definite costs but could all be needed so it’s worth knowing up front who would be responsible.
You really need to ask them and get everything in writing so there are no misunderstandings or problems later down the line.. If she's still to be used in the school then make sure it's clear when she'll be used and for how many hours, also what happens if she's injured - do you still pay to loan her, would the cost go up if she wasn't used for lessons? As @Jessey pointed out there are a lot of extra costs with a horse.
You need a written contract which spells it all out. Is the horse insured for vets fees or not? Big difference. When i had horses on full loan, they were at my yard and yes I paid for everything, from tack rugs to vet farrier dentist etc. So i insured - including public liability - you need to have it written down, with notice periods and termination etc to be clear. If you are riding a horse from a riding school you would be covered for Public Liability as they would have to have a policy but not sure if you have it on loan that this would be covered so you would need your own cover in case you caused an accident.
You do need a contract. If you are loaning a RS horse being ridden by other people, that horse remains in use by the RS and it is not legally a full loan.
Nor is it really a share.
It may be more like a subscription to ride a certain horse at certain times and if you are doing some of the care, that is part payment.
In the UK a RS must be licensed to hire out horses.
If it is not so licensed, then are you riding this horse unsupervised? Most RS insurance and Local authority licenses require that a member of staff is present when a client is riding a horse.
This requirement thwarted all our efforts for me to share the favourite RS Connie I had ridden for years. Physically she could no longer do fast hard RS hacks but she would have been fine for me (in my 70s) to potter around on.
I consulted the legal dept at the BHS but though everyone wanted me to share this mare and to hack her on my own, we never found a solution.
I have shared a horse that belonged to the owner of a RS but it was her personal horse and the horse was not insured. That particular RS did not insure for the vets. They paid any charges as they arose. I have 3rd party insurance through the BHS which covers horses I may be hacking on public roads.
Nor is it really a share.
It may be more like a subscription to ride a certain horse at certain times and if you are doing some of the care, that is part payment.
In the UK a RS must be licensed to hire out horses.
If it is not so licensed, then are you riding this horse unsupervised? Most RS insurance and Local authority licenses require that a member of staff is present when a client is riding a horse.
This requirement thwarted all our efforts for me to share the favourite RS Connie I had ridden for years. Physically she could no longer do fast hard RS hacks but she would have been fine for me (in my 70s) to potter around on.
I consulted the legal dept at the BHS but though everyone wanted me to share this mare and to hack her on my own, we never found a solution.
I have shared a horse that belonged to the owner of a RS but it was her personal horse and the horse was not insured. That particular RS did not insure for the vets. They paid any charges as they arose. I have 3rd party insurance through the BHS which covers horses I may be hacking on public roads.
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I would add to this. The terminology of sharing does not (to my mind) fit with your situation as a member of RS staff. When one is happy at an RS and very involved with a horse you may not want to cause trouble and may go along with any suggestion in order to ride a favourite horse. So the final decision is up to you. These situations can cause big problems for RIs.
However this raises a different question to do with your employment. Are you sharing this horse as part payment for your work? i,e, a benefit.
When you ride this horse unsupervised is it in your role as a member of staff? Or as a client paying for a share.
Do you ride all the RS horses unsupervised? If so any RS is insured and must report any injury to staff (under employment law)
Are you employed formally as a worker or working as a student and is the use of this horse part of your training programme?
And are other members of staff or student staff also sharing RS horses in this manner?
However this raises a different question to do with your employment. Are you sharing this horse as part payment for your work? i,e, a benefit.
When you ride this horse unsupervised is it in your role as a member of staff? Or as a client paying for a share.
Do you ride all the RS horses unsupervised? If so any RS is insured and must report any injury to staff (under employment law)
Are you employed formally as a worker or working as a student and is the use of this horse part of your training programme?
And are other members of staff or student staff also sharing RS horses in this manner?
The yard has tonnes of spare rugs and grooming equipment for everyone to use, so I doubt id have to pay for that, I reckon that id only have to pay for tack repairs if it broke whilst i was riding? My instructor and I decided other people could still ride her, when I'm not there.
She is fully insured, yes a memeber of staff is always present when any one rides, there's 10 staff including myself on the yard so there's plenty to watch.
I work at the rs 3x/week and on a full loan i would be there for 7 days, the pony i loan is my priority and the rs horses after. Even if i go on a hack there's always another person or horse with me.
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