Loaning a horse is common but often done on a handshake, leading to costly disputes. A written agreement protects both the horse owner and the loaner. The British Horse Society recommends written loan agreements for all horse loans.

• Owner retains ownership — must be stated clearly
• Loaner is responsible for day-to-day care and costs during loan
• Insurance: specify who insures the horse and for what cover
• Vet authority: loaner should have authority for emergency treatment
• The Animal Welfare Act 2006 imposes a duty of care on anyone responsible for a horse

Legal reference: Animal Welfare Act 2006; British Horse Society guidance