HORSE owners everywhere are starting to think about rugs. With damp air, chilly winds, and unpredictable showers, it’s natural to want to keep horses warm and comfortable - but, as many people should know by now, over-rugging can be just as harmful as leaving them exposed. The key is to rug wisely, based on the individual horse, not just the calendar.

A healthy adult horse grows a thick, oily winter coat that provides excellent insulation and sheds water naturally. Native and hardy breeds such as Connemaras or cobs often thrive unrugged, provided they have shelter, good nutrition and are kept dry. However, finer-skinned breeds like thoroughbreds, clipped horses or older animals will probably need extra protection, particularly during wet and windy spells when they lose heat more quickly.