If so is it normal for event cover (insurance) not to cover riders? I have had a few quotes and all do not cover competitors or judges when mounted. This seems to be the norm but seems a little odd to me!
I think the ones we have had in the past cover people on the ground if hurt by horses but not riders as they are supposed to have their own insurance. I've been to a few top level shows (BHS North West Counties etc) where you weren't allowed to enter if you weren't at least 3rd party insured.
Not sure about judges when riding....would that also come under the horse owner's insurance??