The insurance industry is an open sector with many different players. For consumers however, it is of significant importance that the right insurance house with the right products and services which suit your particular needs is identified. It ultimately saves time and money to deal with a service provider who understands the needs of a particular niche market. One of the insurance firms in South Africa who have taken specialisation seriously is Equipage Insurance Brokers.

Established in 1996 and underwritten by the Hollard Insurance Company, this firm has dedicated itself to providing insurance for all horse related matters. This is because horses are assets and it makes financial sense to protect yourself against the expense of illness, surgery or worst case scenario, the death of your prized possession. Equipage in this regard provides mortality cover, loss of use cover, critical care cover, public liability cover, personal accident cover, veterinary free cover, saddle and tack cover, horsebox cover and grooms health cover.

Mortality cover is tailored to protect against financial loss due to the untimely death of the horse.This covers for death due to accident, illness, disease, theft and whilst in road transit or if your veterinary surgeon has to put the horse down on humane grounds as a result of an accident, sickness or disease. Loss of use cover must be taken in conjunction with mortality cover and it has age limit from 3 years to 16 years.

Critical care cover was designed to cover your horse for any critical life saving in hospital procedures.This policy covers general anaesthetic procedures as well as other in hospital procedures provided it is in hospital and life saving. Public liability cover covers R1,000,000.00 cover per insured horse, any one occurence or series of occurancies arising out of any one event to a third party. This policy however does not cover death or bodily injury to you or a member of your family or any employee arising out of their employment duties.

Personal accident cover caters from a minimum of 16 years to a maximum of 70 years and it pays compensation if you sustain bodily injury by violent external and visible means as a direct result of a horse riding or horse handling accident only. Veterinary fee cover is a medical aid option for your horse and age limits are from 6 months to a maximum of 15 years.

Equipage insurance can be contacted on 0871501853.