Insurance is an essential - not an optional extra
Horse riding can be a risky pastime but the biggest risk of all is skimping on insurance cover for horse and rider
Horse riding is a dangerous sport, yet many participants are failing to insure themselves and their animals in the case of an accident at home or in competition.
Eventing is statistically the riskiest equestrian sport, with activities such as hunter trials and hunting also high on the list.
However, horses are unpredictable creatures and even the simplest of accidents can result in injury, or worse.
"You could go two or three years without anything happening and it would seem like a waste of money," says Dale Jordan of Wexford Insurances.
"But then, if something does happen, it will be the best money spent."
As brokers for insurance companies such as FBD, Willis and Zurich, Wexford Insurances offers a wide range of policies to suit all types of horses and ponies, from racehorses to pony club.
One of the most popular packages is the Horseguard Policy which covers both horse and rider. For instance, to cover a six-year-old horse worth €5,000 for accident, illness or disease - and its rider up to €20,000 - costs approximately €300 per annum.
"Also there is no average clause for horses worth a lot of money so when people say they cannot afford premiums for horses worth €2-€3m, we offer them a cheaper option, a premium for a horse worth say €500,000, so in the event of it dying at least they will have some comeback," explains Mr Jordan.