BHS/PC membership options

[HeyMich]

Quick question for the wonderful HHO hive mind...

I have the BHS Gold membership, have done for years, and am intending to keep it (or a viable alternative) on in the long term. However, my kids are keen riders and are very active members of the local pony club. I know they get some sort of insurance through PC, but is it worth getting them put on my BHS cover too? Where is the cross-over? The BHS seems quite steep for additional family members on the gold policy - an extra £67 for the first child and an extra £50 for the second. Or is the Harry Hall cover a good alternative? I have tried looking at the various websites but am getting baffled by options and legaleese...

Thanks all x

 

[teapot]

Work out what insurance cover you want, then look at options.

BHS is only public liability etc

 

[scruffyponies]

I have always understood that if your children have no other insurance any third party incident would be covered because your horse is covered under your policy.

Is there a legal bod on here that could clarify?

 

[Leandy]

Obviously you need to compare the benefits of the insurances against each other and see what you want. That shouldn't be too hard to do if you look at the summaries of what is covered on the relevant websites. I think you will find though that the major difference is that the BHS Gold one provides personal accident insurance whereas the PC one does not. Both cover third party liability but not sure exactly how they compare. I don't know about the HH one.

 

[thefarsideofthefield]

Don't know if things have changed recently but in the past some ( but not all ! ) of our foster kids SW have insisted that they had to be insured before they could ride our ponies . The problem then was that , as they lived with us , they were regarded as being ' part of the household ' and insurance policies do not cover injuries to members of your own household and for some it nullified the 3rd party your horse/any rider clause if the rider was under 16 ( hope that makes sense ! ) .
Every foster carer I know ( including us ! ) who needs insurance for an under 16 yo does it via the Pony Club ( becoming a member ) as it covers everything , in pretty much every scenario and is the most cost effective ( and with the bonus that you to go to rallies etc if you want to ! ) .

 

[Leandy]

it covers everything , in pretty much every scenario

That is a sweeping generalisation. There is an awful lot it does not cover..... It covers third party liability only.

 

[thefarsideofthefield]

That is a sweeping generalisation. There is an awful lot it does not cover..... It covers third party liability only.

Apologies - I stand corrected . I was meaning in respect of third party and I did not make that clear . The last membership/policy we had with the Pony Club states

" Pony Club insurance covers liability arising out of the members ownership of any horse or pony and not just one main pony . In the event that a family own additional horses that are not used by the member , these horses would not be covered unless the insured member is riding or handling the horse at the time of the incident leading to a claim "

I felt that that covered pretty much everything as far as third party liability goes . In respect of personal accident/injury cover for riders under 16 , as members of our household riding our own horses, we have found it pretty much impossible to find a policy that would cover them , but as I said things may well have changed since then .

 

[Leandy]

Apologies - I stand corrected . I was meaning in respect of third party and I did not make that clear . The last membership/policy we had with the Pony Club states

" Pony Club insurance covers liability arising out of the members ownership of any horse or pony and not just one main pony . In the event that a family own additional horses that are not used by the member , these horses would not be covered unless the insured member is riding or handling the horse at the time of the incident leading to a claim "

I felt that that covered pretty much everything as far as third party liability goes . In respect of personal accident/injury cover for riders under 16 , as members of our household riding our own horses, we have found it pretty much impossible to find a policy that would cover them , but as I said things may well have changed since then .

Ah ok, if you were just talking about third party liability but I had taken your comment to imply it was broader coverage.

 

[scruffyponies]

Personal injury cover isn't worth a dime. Payouts are too restritive (Total loss of limb, loss of an eye etc), and amounts pitiful.

Take the worst case scenario of a child falling off, hitting head and requiring round the clock care. This would trigger an injury payout of a few thousand pounds only (and that after lots of wrangling), where the care would cost millions and be paid (in the UK) by the NHS.

Income protection insurance is great in theory, but doesn't usually work for for self-employed / company directors, and is prohibitively expensive.

Third party is a must, but most policies offering 'broader coverage' don't stand closer inspection.