Considerations for someone riding your horse

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JANANI

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I was going to ask a friend of mine who is a competent rider if she would like to ride my aged mare for approx three times a week. As come the autumn I will not have enough time to ride her.

The mare will be kept with me and I will look after her.

What is the best way for insurance. I am not looking to insure the mare I just want to make sure if my friend falls off she is adequately covered and that the mare has third party liability for if she kicks a car for example.

Is it unreasonable to ask her to pay for the insurance and to make a contribution to the shoeing costs? I certainly wouldn't ask her to contribute for anything else as I would be paying for it anyway.

Anything else I would need to consider?
 
I personally wouldnt ask her to pay for anything unless its something you wouldnt be doing anyway. I.e. if she wouldnt normally be shoed, I'd want a contribution for shoeing, but if she's always shoed then I dont think so.

She should have insure for herself that shouldnt be your problem (i dont think, similar to if you ride at a riding school you have to have personal liability insurance). However, your mare should ALWAYS be insured 3rd party and therefore I dont think thats something I'd want her to pay for. I would want her to pay for anything she breaks or damages, and if she wants to buy anything specific (i dunno what, but e.g. a new bit) then she pays for that cost.

If shes doing you a favour, thats very different to her asking and putting you out of your way xxxx
 
I have rider insurance for my part loan mare it covers me and her whenever we're together :) Its not very expensive and I think its very reasonable of you :)
If you trust her and know she's confident enough, is there any need for a trial period etc? Maybe a written agreement would be an idea too :)
 
My mare is covered third party through the house insurance although I don't know if my friend would be covered if she was riding.

My friend would love to have a horse however she doesn't have the time to own one. She is also slightly nervous and I feel she would be able to relax and enjoy my mare.
 
I think a rider-only policy (Petplan do one) might be what you are looking for. My sharer has one like that. Look for one that offers third party liability for the rider and for the horse if it is in their care at the time of any incident.
 
talk to your insurance company and add her on as a rider,I dont think that it is much and I am sure that she would have no objection to pay for it.
If any thing did happen at least you know that all is covered and she has peace of mind that she is also.
I have a girl riding my pony she already has her own policy,I do not ask for any money as I am grateful he is being ridden.
If she takes him to a show,she pays for that and she does get him bits and bobs in treats and shampoo ect.
Works well for me
 
BHS do third insurance and personal rider cover for about £40 for the year - which includes harm to the rider/public liability etc :)
 
Over here we generally have any other rider sign a waiver stating that they understand that riding can be a dangerous activity and that if they are injured in any way, the horse owner is not liable for any damages. Not sure how that would work for property damage or if any of that would apply in the UK - just thought I'd toss it out there.
 
Personally I would not let even a "slightly nervous" rider near even the most trusty horse, it takes so very little for your perfect horse to get the measure of a nervous rider and try napping,or worse. Believe me,even my paragon of virtue tried it out on a person who SAID they could ride well.
 
if shes doing you a favour then you should pay for everything but i would get her to pay for rider cover to avoid complications but m suprised you dont want to insure your mare im not sure if horse and rider insurance would cover a difernt ride you would have to check it out
 
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