Horse & Pony Insurance can be a nightmare and over the years Julie Andrews has seen some disasters which can befall the uninitiated.
She is more than happy to explain policies to any horse owner, even if they are not using her services. You can insure for practically every eventuality.
The minimum cover Julie recommends is Death of Horse, Theft & Straying and, if you are not a BHS/BSJA member, Public Liability. (As a BHS or BSJA member, you automatically have Public Liability & Personal Accident cover with your membership.)
The Public Liability cover is similar to Third Party Fire and Theft insurance on your car - if you are involved in an accident, do not admit liability, but get in touch with your insurance company immediately and they will advise you on how to proceed.
Public Liability is an insurance to protect YOU from claims by other people - NOT to protect other people from your horse!!
Other sections that can be covered are Vet Fees, Tack, Personal Accident and Permanent Loss of Use (or some times called Permanant Incapacity.) 
It all sounds so simple, but good advice will save you money and ensure that you get the cover you need or put it another way the cover you THOUGHT you had.
You will find Julie Andrews easy to talk to and very
knowledgeable about the various options available, so if you are worried about your existing policy or if its time to renew give her a call on 01566 774161 or E-mail her for a no obligation quote.