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Toggi Sale. Weatherbeeta Sale. Owning your own horse or pony may have been your dream for as long as you can remember; whether it be for the glorious hacks out in the summer sunshine, a gentle giant to keep you company on the weekend or even an ex-racehorse to keep you on your toes in the school, there are lots of positives to owning a horse but with that there is, unfortunately, ongoing expense.
First and foremost, the cost of buying or loaning a horse goes way beyond the initial purchase price and before you go ahead and purchase a horse you will need to make sure you can afford the upkeep. You will need to work out, minus your current out goings, how much disposable income you will have as this will determine whether owning a horse will be feasible or not. Not everyone is lucky enough to be in the position where they can keep their horse at home, if you are fortunate enough to do this, then you can dramatically save on livery and field rental costs.
Most horse owners choose to keep their horse at a livery yard and these often have a range of great facilities for you and your horse, including; tack rooms, schooling arenas, muck heaps and jumps. Another advantage of a livery yard is that the yard will often fully maintain the fields used, whereas, if you were to rent a field from a farmer it would be your responsibility to maintain the field and remove the muck.
Vet's fees in cases of illness or accident can be costly, and rather than risk having to pay out several hundred or thousand pounds for an incident many owners prefer to insure their horse against such fees. A horse's feet continually grow and so even if unshod will require regular visits from the farrier for trimming.
It is recommended that a horse has its teeth checked by a vet or equine dentist every year to ensure that there are no sharp edges or other tooth problems that may be the cause of discomfort to the horse. When problems occur more regular visits may be needed. Horses and ponies need to be regularly wormed whether stabled or at grass. Although the main regular costs of owning a horse are listed above there are always unexpected costs that occur such as when a horse casts a shoe and needs an extra farrier visit, an injury or illness requiring veterinary attention or stabling and feed whilst recovering.
In addition it is often necessary to purchase medical products for minor cuts, shampoos, tack and rugs, etc may need repairing or replacing. All such costs can add to the cost of owning a horse over a year. The table below gives a summary of the regular costs mentioned above of keeping a horse on an annual basis. A full neck turnout rug with a denier ripstop, waterproof breathable outer with no polyfill and a breathable lining. The Equisafety Polite Yellow Reflective Waistcoat has been proven time and time again that it really does slow the traffic down.
In addition to forage and bedding, most horses will need additional hard feed. This does not include additional specialist feeds or horse feed supplements that the horse may also require.
Remember that any extras such as pads, road nails and stud holes or remedial work will be additional costs. If there are any issues, the treatment fee will easily go into three figures. Following a legal case which ruled that owners are responsible for any damage caused by their horses , all horse owners should be insured for third-party liability.
These are simply the basics — further significant costs to be considered are tack and rugs plus washing and repairs , grooming products, saddle fitting, physio and vets, before you even start on transport or the training side! And because horses are horses and always throw up unexpected bills, it is important to have sufficient funds to cover any emergencies that may arise. NB: All prices given here are approximate and are based on prices correct in September
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