Confused over insurance!

ChestnutConvert

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I've just agreed to exercise a friends horse and will be paying a contribution to his upkeep, I wanted to get rider only insurance, but ive just read that i won't be covered if i am paying to ride the horse and i should be added onto the owners insurance. Is this true??? If anyone knows that'd be great as i'd like my own incase i take on any other horses.... :confused:
 
Honestly not sure, but I used to have a girl jump my horse, I added her to my own horse policy and it didn't cost me anything extra, can you not speak to the owner and discuss this option??
 
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