At one stage Fred and two other horses were quite upset and started running around.
"Mrs Morgan stood her ground and was talking to her horses and they seemed to calm down," Coroner na Nagara said.
But as Mrs Morgan took a pony across the paddock, Fred kicked out with his back legs and kicked another horse in the face.
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.