Child Rider Insurance when Pony on Share

[luhayward79]

Hi
We are starting a share agreement on two ponies for my daughters age 8 and 5 (two days a week at a private livery yard)
It is our first time sharing, can anyone advise what insurance they/ I need please? I have looked at specific Rider Insurance (previously they have only ridden in BHS approved Riding schools so we haven't needed it) but also at the BHS Gold membership - I think they need 3rd Party liability or would I need this as the responsible adult? any advice gratefully received!
TIA
Lu

 

[Littlewills]

The owner needs to insure the ponies, you just need rider insurance if that's something you want. I'm not sure if they cover children or not though!

 

[luhayward79]

Thank you ?

 

[Shay]

Only the owner needs 3P - liability cannnot attach to the sharer. The only reason to have rider insurance is to cover for injury, time off work / school etc. You can get it for children - I used to insist on it when I was sharing out a PC Competition pony (now retired). It limits the owner's liability on injury if the child is at a fee paying school. As a sharer rather than an owner - no requirement to take out any insurance at all. If there is an injury etc. you can claim from the owner. But for an owner - always worth insisting on rider insurance to lessen the risk.