insurance - BHS gold, is this right?

[NeverSayNever]

i have just had a moment when talking about this to a friend and hope someone on here can reassure me?

i am a BHS gold member so have the insurance with them for 3rd party and personal injury

my horse is insured with SEIS and i DIDNT choose 3rd party or personal injury as i already had it with the BHS.

but - friend thought perhaps the BHS only cover you for yourself, not your horse and perhaps the cover wasnt as comprehensive? can anyone confirm? Basically, if my horse escaped from the field and caused an accident, or i was in an accident out hacking, would my BHS insurance cover me?

thanks

 

[Sparkles]

I'm not sure if it would cover you for if your horse escaped out its field, as it's personal insurance really. It would however, cover any damages caused if you got thrown and the horse escaped out hacking or riding etc.

 

[Sparkles]

On the website it now says this though

How many horses are insured?

All horses that are owned by you are insured on the condition that they are used purely for recreational purposes and there is no business use/money exchanging hands.

http://www.bhs.org.uk/Join_Or_Support_Us/Join_the_BHS/FAQs/Insurance.aspx

 

[Dogstar]

BHS cover is excellent, last time I checked it was 10 million 3rd party liability which is why I joined- in case one of mine jumps on a car or a pram!

 

[hollyandivy123]

it says handling and riding and driving in the policy but i can't see any confirmation that if your horse escapes from your field you would be covered

 

[1life]

i have just had a moment when talking about this to a friend and hope someone on here can reassure me?

i am a BHS gold member so have the insurance with them for 3rd party and personal injury

my horse is insured with SEIS and i DIDNT choose 3rd party or personal injury as i already had it with the BHS.

but - friend thought perhaps the BHS only cover you for yourself, not your horse and perhaps the cover wasnt as comprehensive? can anyone confirm? Basically, if my horse escaped from the field and caused an accident, or i was in an accident out hacking, would my BHS insurance cover me?

thanks

I have just joined my daughter and the up-to-date handbook quotes:
Personal Liability insurance for all the horses you own, look after and ride, regardless of age. Personal Accident insurance up to £15,000.

So, I suppose it depends on what you mean by 'cover me?'. It looks like you have the cover you thought you had, at least.

 

[touchstone]

It's also worth checking your household policy as you might well already be covered for 3rd party liability. If you claim with the BHS they tell you to check your household policy anyway.