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You should always use a neck strap on your horse when:
you are uncertain for ANY reason.
you don't know the horse.
you lack full confidence.
you lack upper body strength.
the horse is prone to running off.
the horse is hot.
the horse is hard mouthed.
you are attempting fences for the first time.
you are attempting a particular type of fence for
the first time.
you are unseasoned jummping walls or large boxes.
the horse is known to jump "big".
the horse rushes his fences.
the horse is prone to "chipping".