claireandnadia
Well-Known Member
I've had BHS gold for years but last night read about Harry Hall insurance which appears quite good and has 10 million cover so may keep my options at renewal time. Anyone else got good/bad reviews of HH?
Harry Hall liability insurance
- Thread starter claireandnadia
- Start date
poiuytrewq
Well-Known Member
Interested to read your replies as I'm considering the switch also. The discounted goods are a pretty nice incentive!
Antw23uk
Well-Known Member
I switched a few weeks ago. All went well, got a free saddle pad (cob so will sell it!) I kept thinking about the legal advise you get from BHS but I've never used it so made the switch.
MotherOfChickens
MotherDucker
I guess its good that there are alternatives but feel its important to support the BHS- HH are not advocating for riders or providing other services other than encouraging you to buy stuff.
Antw23uk
Well-Known Member
Very true and thats an important point to make. I think if BHS brought down the price of the PLI I would go back to them. At the end of the day we are talking a few quid, its not going to break the bank BUT I like to feel like im getting my monies worth so rather than £6 a month im now paying £3 a month.
claireandnadia
Well-Known Member
That's a good point. BHS do amazing work and in the grand scheme of things, their charge is quite reasonable. However for me, I've got a lot of money to find next year so for next year, I need to cut down on my horse spending so may need to consider it.
atropa
Well-Known Member
I chose them over BHS this year purely due to cost. So far, thank goodness and touch wood, I haven't had to use it. I think it doesn't cover you for certain affiliated activities so check the small print carefully.
claireandnadia
Well-Known Member
I'm just a happy hacker so that would work for me.
HollyWoozle
Well-Known Member
Ooh, I didn't know they offered liability insurance. Am with BHS and that's fine for now but worth keeping in mind for the future.
claireandnadia
Well-Known Member
I came across it on fb last night. Had a look at their website and was quite impressed on what it offered.
hihosilver
Well-Known Member
I heard that BHS was only used as a last resort and they recommend claims are done on your household insurance. I switched to WHW and took out the champion plus for public liability. I don't insure my horse anymore for vets bills as was silly money. I do wonder though as I have a sharer if she would be covered for riding my horse.
xgemmax
Well-Known Member
i switched from BHS this year due to price and they offer pretty good discount on everything on their website 
I do like to support the BHS but at half the price it was a no brainer, sorry bhs!
I do like to support the BHS but at half the price it was a no brainer, sorry bhs! Dubsie
Well-Known Member
I think if you take advantage of the Hickstead and Windsor tickets, overall there's not much to choose between them cost-wise.
ruth83
Well-Known Member
Please compare very carefully the level of cover provided by the Harry Hall club vs the BHS cover.
There are discrepancies in the amount covered for, the number of horses who can be covered and the activities covered.
The vast majority of these insurances are 'last resort' insurances.
People have already mentioned support for the BHS, (A charity who are reliant on membership for the majority of their regular income. No, the assessment/exams do not make any significant profit) who are working to record rights of way and bridleways to prevent them being lost in 2026, who are working to achieve fair business rates for equestrian business to prevent the closure of more riding schools, livery yards and competition centres and who are working to improve horse welfare through education.
As well as this your membership benefits are
Free tickets to Hickstead and Windsor
Reduced tickets to various shows throughout the year (Bolesworth was this year)
6 magazines a year
A legal helpline (not just for equine related matters)
Access to world class expert advice on welfare, access and safety
A local committee of volunteers who can offer advice and who put on events for members (obviously these vary from area to area depending on how many volunteers are available)
10% discount at the BHS bookstore
Full disclosure, yes, I am a BHS volunteer and BHS qualified. I'm also more than happy to answer BHS related questions if I can.
There are discrepancies in the amount covered for, the number of horses who can be covered and the activities covered.
The vast majority of these insurances are 'last resort' insurances.
People have already mentioned support for the BHS, (A charity who are reliant on membership for the majority of their regular income. No, the assessment/exams do not make any significant profit) who are working to record rights of way and bridleways to prevent them being lost in 2026, who are working to achieve fair business rates for equestrian business to prevent the closure of more riding schools, livery yards and competition centres and who are working to improve horse welfare through education.
As well as this your membership benefits are
Free tickets to Hickstead and Windsor
Reduced tickets to various shows throughout the year (Bolesworth was this year)
6 magazines a year
A legal helpline (not just for equine related matters)
Access to world class expert advice on welfare, access and safety
A local committee of volunteers who can offer advice and who put on events for members (obviously these vary from area to area depending on how many volunteers are available)
10% discount at the BHS bookstore
Full disclosure, yes, I am a BHS volunteer and BHS qualified. I'm also more than happy to answer BHS related questions if I can.
GirlFriday
Well-Known Member
But when finances were tight and I found BHS had taken a direct debit for Gold renewal I thought I'd told bank to cancel (as neither myself nor the other rider would be riding that year) the BHS refused to consider refunding and cancelling membership.
It wasn't worth the hassle in the end (being too busy/poor to ride that year meant I had bigger worries!) but the membership services team were particularly unhelpful - put me right off and cost me what was a significant (for me) sum of money for absolutely no benefit.
And when you have limited interaction with an organisation it is the little things that create an impression :-|
It wasn't worth the hassle in the end (being too busy/poor to ride that year meant I had bigger worries!) but the membership services team were particularly unhelpful - put me right off and cost me what was a significant (for me) sum of money for absolutely no benefit.
And when you have limited interaction with an organisation it is the little things that create an impression :-|
poiuytrewq
Well-Known Member
How do you get the free tickets? I had no idea this was a possibility
ruth83
Well-Known Member
There is a voucher in the BHS magazine, but often your membership card is enough. Its RIHS not the Derby meet. Windsor is set days, discounts on other days.
Sussexbythesea
Well-Known Member
Theyre in the magazine.
popsdosh
Well-Known Member
Lesson for the future then . It wasnt the BHSs fault you had not cancelled the DD maybe it would have been better and certainly more courteous to inform the BHS before the event as they suffer a cost if they call for a DD payment on a stopped account!
For those saying the BHS is expensive just check out what you are getting for it. Their liability cover is far superior to HH from a horse owners point of view. It is a greater limit ,covers multiple horses and various people handling your horses ,multi disciplined and from the point of view of insurance of last resort is exactly the same. Price isnt everything and there are other benefits of BHS not least their legal advice line
Sussexbythesea
Well-Known Member
It may not always be visible but the BHS do lots of work on trying to maintain and protect our bridleways. Im volunteering doing some ROW walking to see how bridleways could be joined up in the local area.
Rosiejazzandpia
Well-Known Member
I always go with BHS. I think their charity work and work as an organisation as a whole is more beneficial than getting discounted Harry Hall products which I dont use