BHS Insurance

[dwi]

I have BHS Insurance for D as it works out cheaper than buying it through SEIB, very odd.

Does anyone know if I would still be covered for public liability if I let a friend exercise her or does it only apply when I ride?

 

[amandathepanda]

I think it only applies if you are riding & your friend should get their own. I think this is also bit of a sticking point with most public liability polices TBH so always worth getting your own cover to protect yourself.

 

[foraday]

Becareful and read the small print on the BHS insurance!

 

[JanetGeorge]

[ QUOTE ]
I have BHS Insurance for D as it works out cheaper than buying it through SEIB, very odd.

Does anyone know if I would still be covered for public liability if I let a friend exercise her or does it only apply when I ride?

[/ QUOTE ]

It's not really odd. The BHS insurance is negotiated on the basis of about 55,000 members - so BHS gets a good rate (I know, I used to have the job of twisting Barry Fehler's arm up behind his back!

) But - in addition - the BHS Public Liability policy is a policy 'of last resort' - i.e. it kicks in ONLY if you don't have other insurance that would cover you (and lots of people do!)

But it covers YOUR liability as the owner of YOUR horses - provided they aren't used for 'hire or reward' and it covers you for YOUR liability when someone else is riding your horse - as long as they are not paying you - or you are not employing them. So if friend is riding and is involved in an accident with - say - a car and the car driver wants to sue, the BHS insurance would cover YOUR liability as owner of the horse, even if you are not riding it at the time.