Should You Put Your Horse on Loan? Key Tips and Advice

Responsible horse owners always strive to ensure clear ownership of their mounts through a horse passport, microchip, or freeze brand, yet these measures alone may not prevent unscrupulous actions like unauthorised sales. Finding a horse for sale should always come with clear consideration of ownership security.

Is Loaning Your Horse Right for You?

Loaning a horse can relieve financial and daily care burdens while maintaining ownership. This option suits owners who cannot fully commit time or money but want to retain control over their horse's future. For riders not ready to buy, loaning offers valuable experience without a purchase commitment.

Loan arrangements typically transfer daily responsibility—including feeding, grooming, health care, and riding—to the loaner. They should be ready for this full commitment, often requiring several hours daily year-round.

Risks Without a Contract: “No Contract? No Loan!”

A significant risk is putting your horse out on loan without a legally binding contract. Without clear documentation, the loaner may claim full ownership, making unauthorised sales possible and difficult to resolve. This leaves owners devastated, with limited police support, as disputes often become civil matters.

According to the British Horse Society, a contract must outline care responsibilities, financial contributions (vet bills, farrier, worming), and rights to retrieve the horse if concerns arise.

Creating a Legally Binding Loan Agreement

Before loaning your horse, work with a solicitor to draft a detailed contract. This should include:

• Clear terms of loan duration and conditions
• Responsibilities regarding care, costs, and insurance
• A clause allowing repossession if welfare is compromised
• All relevant contact information for involved parties

This contract is your strongest protection against disputes and misuse.

How to Vet a Potential Loaner

Thorough research and vetting are essential. Check the loaner's experience, facilities, financial situation, and commitment. Trust your instincts—if something feels uncertain, continue looking.

The welfare of your horse should never be compromised; ensure the new environment is safe and suitable.

Essential Pre-Loan Checklist

Make a checklist before loaning your horse to cover all bases:

• Consider all options and reasons for loaning out your horse
• Use reputable advertising channels to find potential loaners
• Download sample contracts from trusted sources such as the British Horse Society and have them tailored by a solicitor
• Vet the potential loaner thoroughly, including financial ability and care knowledge
• Specify who covers vet, dentist, worming, and other care costs
• Obtain all contact and work phone numbers of the loaner
• Add clauses in the contract for your right to take back the horse if needed

Understanding Legal Limitations and Loopholes

According to Ali Cann, founder of the Missing Horse on Loan group, current UK law treats loan agreements as civil matters, limiting police involvement when contracts are broken. The resolution often requires costly and lengthy civil proceedings, making prevention through clear contracts and due diligence crucial.

What to Do if You Suspect Misuse

If you believe your horse has been sold or mistreated without your consent, reach out to advocacy groups like Missing Horse on Loan for advice and support. Document everything and seek legal advice promptly.

Though emotionally draining, taking swift, informed action is essential to protect your horse's welfare and your rights.

Conclusion: Prioritise Your Horse’s Welfare and Your Protection

Deciding to loan out your horse offers benefits but must be approached responsibly. A clear, legally binding contract combined with careful vetting and ongoing communication will help safeguard your ownership and your horse's well-being.

Loaning should only proceed if you're confident the horse will be safe, properly cared for, and that you maintain the ability to oversee their care. Thoughtful preparation protects all parties and, most importantly, ensures your horse's welfare remains paramount.