668 
CATTLE AND HOUSE INSURANCE. 
will in practice baffle all calculation. There is a horse which has 
been regularly shod at my forge more than 21 years, and is now 
as likely to live seven years longer as any horse I know. I have 
known a mare produce three good colts in successive years, after 
she was thirty years old : her owner then died, and she was sold 
by auction. I had left that part of England at the time of the sale, 
and lost sight of her from that hour. 
Mr. Lord : — 
The average Length 
of Horses’ Lives, 
dividing them into the 
following Classes. 
No. of 
Years. 
Diseases 
to which each Remarks on each Class with respect to the 
Class is most ! Diseases, &c. &c. 
liable. ; 
No. 1 
No. 2 
No. 3 
No.4 
No. 5 
Agricul- 
tural horses. 
30 
Bowel i 
affections. | 
Agricul- 
tural horses 
used some- 
times for 
other 
purposes. 
25 
The same 
as Class 1, 
but with an 
increased 
tendency to 
pulmonary 
complaints. 
For which reason I consider we should 
charge more for insuring agricultu- 
ral horses occasionally put to quick 
work, as it may shorten their lives by 
making them more liable to pulmon- 
ary complaints. 
Carriage 
and riding 
horses. 
20 
Affections 
of the 
lungs. 
Carriage-horses, from the way in which \ 
they are pampered, are liable to every 
sort of inflammatory disease ; there- 
fore I would charge more for insuring | 
them than either Class 1 or 2. 
Hunters 
and 
stallions. 
18 
Asphyxia, 
chest affec- 
tions, and 
hernia. 
When I take into consideration the 
number of hunters I have known to 
die of asphyxia, and attacked with in- 
flammation of the lungs after a hard 
day’s run, I put down the average age 
as 1 8, but I have seen hunters 30 years 
old: it is probable, however, that 
they did not belong to bold riders. 
Mares 
of each 
class. 
25 
Were it not for the deaths caused by 
difficult parturition in brood mares, 
and the wear and tear that breeding 
causes to the system, I would not 
charge more for insuring them than 
horses. 
The most prevalent diseases are pulmonary ; and I think they 
destroy more horses than all other complaints put together (leaving 
farcy and glanders out of the list). 
I would not insure horses under six , or over twenty-five, without 
a large per centage. 
