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If you ride horses, own a horse or pony, run a livery yard, run a riding school, teach riding etc…insurance cover is essential in case anything should go wrong. Accidents can and do happen and horses can become ill requiring veterinary care. Insurance companies can offer you an insurance package to meet your requirements. It is best to shop around and gather a number of quotes to compare prices and the packages being offered. Below is some basic information on insurance:
Rider Insurance
Horse riders can take out insurance cover to protect themselves from the risks involved in riding even if they don't own a horse. Below are the basic things you may want included in your policy:
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Personal Accident
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Death
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Permanent Disability
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Dental treatment
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Hospital benefit
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Riding equipment
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Emergency Vets Fees
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Third party liability
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Custodial liability
Private Horse / Pony Owners
It is important when shopping around for horse insurance to compare excess levels. Below are the basic things you may want included in your policy:
Riding establishments and livery yard insurance
Insurance premiums have become very high for insuring riding schools and livery yards. This is mainly due to more people claiming for injuries. Riding schools and livery yards need to keep detailed and accurate records, recognize potential risks and to take steps in reducing accidents. The British Horse Society has highlighted the importance of record keeping and on their website you can find some useful documents these include:
Rider Registration Form - a form that riders must fill out themselves regarding their level of experience and competence.
Instructor/Escort Details
Horse/Pony Assessment
These forms enable you to collect key information which insurers will need. They are concise and ask all the right questions. To visit the BHS website to find out more click here
Check out the Rider Directory for more information on equine insurance by clicking here. Coming soon to the Rider Directory will be links to insurance companies for you to finds out more information.
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