Shortly afterwards, after the horses again had appeared to calm down, Mrs Morgan started taking Fred's cover off.
As she removed the back strap Fred kicked back with both legs, striking Mrs Morgan in the head.
"She stood there for a few seconds and then dropped to the ground," Coroner na Nagara said.
Mrs Morgan was taken to Hawera Hospital before being taken to Taranaki Base Hospital, but she died of significant head injuries shortly after arriving at the hospital.
Coroner na Nagara concluded Mrs Morgan did nothing to startle or unnerve the horse as she removed the cover and her death was the result of an accident.