Advice on third party liability insurance?

[mad4]

Hi All,
my baby girl is going off to schooling livery next monday, to be properly backed by someone who knows what they are doing

so im just trying to arrange some third party cover for her whilst she is away, and in all probability i shall keep it up once she is home.

does anyone know of a policy which would cover her while she is at schooling livery? reading the conditions of several policies i have noted that the insured horse is covered for any rider "as long as no money changes hands" so am i right in thinking she would not be covered with the lady i am paying to school her?

and if so, where can i find a policy that will cover her while im paying someone to ride her?

any thoughts or experience very much appreciated

 

[Sugar_and_Spice]

The person schooling horse is running a business and should have their own public liability insurance to cover horses in their care. Ask to see a certificate/policy, they should have something to show you.

The cheapest public liability insurance is through BHS gold membership, I think. You're right in thinking it won't cover the horse if the person riding/handling it is being paid.