hellfire
Well-Known Member
My insurance is up for renewal so I had a shop around. I have 4 horses and have never covered them all for full vets bills in all honesty. Just basics.
I've found out from a friend who has rider only insurance it covered any horse she rides for exactly what's been on my more expensive policies! So question. Could I just take out rider only insurance that then covers all mine for public liability, accidents, my own personal accident, tack, and death etc? Also if I took out that policy are others covered if they ride my horse or are they best off keeping a separate policy? My thought was if my horses done something while my friend rode which she does twice a week surely her insurance would refuse to pay out as I own the horses and am also covered?
Or am I confusing myself?ðŸ˜
I've found out from a friend who has rider only insurance it covered any horse she rides for exactly what's been on my more expensive policies! So question. Could I just take out rider only insurance that then covers all mine for public liability, accidents, my own personal accident, tack, and death etc? Also if I took out that policy are others covered if they ride my horse or are they best off keeping a separate policy? My thought was if my horses done something while my friend rode which she does twice a week surely her insurance would refuse to pay out as I own the horses and am also covered?
Or am I confusing myself?ðŸ˜