What time of the year should you put a rug on a horse?

For my horse i put rug on it all year round as it is old and clipped.

If you have a horse that has a thick coat then it would be ok in the wind although it would be a good idea to put a thin rug on during the rain.Also when it is extremely cold then you need a good thick rug to stop the animal from getting cold.

It is quite obvious for a horse that is clipped - rugs on for cold days and when its very cold then put a thick rug or rugs on.

If you have a choice of what time of year then it would be winter and other cold mnths but generally just the days that is cold and wet.

Hope i gave u an idea..x