Nativelover
Well-Known Member
Where can I get suitable young/child rider insurance for my 3 year old boy? I’ve looked at pony club, animal friends, and bhs the lowest they go to is 4 yr. anyone help???
Insurance for 3year old child
- Thread starter Nativelover
- Start date
Nicnac
Well-Known Member
Insurance for what exactly? Public liability or ??
Nativelover
Well-Known Member
I’m not 100% sure, it’s just for my 3year old child to be able to ride other peoples ponies.
MidChristmasCrisis
Well-Known Member
Talk to NFU to see what they would provide…
ycbm
Einstein would be proud of my Insanity...
What are you trying to insure against? Him being hurt? There's no insurance for that, I don't think, except family medical insurance. Him hurting the pony or causing an accident? He's 3, he can't be held liable for anything he does, it's the responsibility of the adults supervising him.
I don't understand what insurance anyone expects you to have for your child to ride a pony. Riding schools wouldn't exist if it was demanded.
.
I don't understand what insurance anyone expects you to have for your child to ride a pony. Riding schools wouldn't exist if it was demanded.
.
Red-1
I used to be decisive, now I'm not so sure...
I think I know what they want it for...
When I got Rigs, I simply insured 3rd party with Harry Hall as that was the cheapest.
Then I got Baby Horse and wanted friends to escort us out, riding Rigs. Turns out that the main 3rd party ones (Harry Hall, BHS, WHW) insure the owner and their family for 3rd party of horses owned, but not for other riders. It is up to other riders to insure themselves. Without this, if Rigs were to fall into a car or something, I would be indemnified against a claim with Harry Hall, but if the car owner tried to sue the rider (maybe they did something silly), they are not covered personally.
If Rigs was insured and the rider not, in all probability a claimant would go after me, as I would be able to stump up the money (via insurance). But, for absolute clarity, I wanted my riders to be insured too, as they were doing me a favour.
I was advised that they should get individual insurance, but there have been 4 of them, so it was cheaper to insure Rigsby with a personalised insurance, just for 3rd party. That way, anyone can ride him and he is the one insured. The others Harry Hall etc, it is the owner who is insured.
When I got Rigs, I simply insured 3rd party with Harry Hall as that was the cheapest.
Then I got Baby Horse and wanted friends to escort us out, riding Rigs. Turns out that the main 3rd party ones (Harry Hall, BHS, WHW) insure the owner and their family for 3rd party of horses owned, but not for other riders. It is up to other riders to insure themselves. Without this, if Rigs were to fall into a car or something, I would be indemnified against a claim with Harry Hall, but if the car owner tried to sue the rider (maybe they did something silly), they are not covered personally.
If Rigs was insured and the rider not, in all probability a claimant would go after me, as I would be able to stump up the money (via insurance). But, for absolute clarity, I wanted my riders to be insured too, as they were doing me a favour.
I was advised that they should get individual insurance, but there have been 4 of them, so it was cheaper to insure Rigsby with a personalised insurance, just for 3rd party. That way, anyone can ride him and he is the one insured. The others Harry Hall etc, it is the owner who is insured.
maya2008
Well-Known Member
I am guessing a 3 year old would be on the lead-rein. Surely in law, the adult in control of the pony would be the one that would need insuring? Worth ringing NFU or similar and asking! I am guessing you’re looking for public liability for pony while under your care/supervision.
Nativelover
Well-Known Member
Thank you, yes I think I am looking for this. I’ve always had my own horses, up until 5 years ago sadly, so have never come across this. But with a potential loan/share on the horizon the question of rider insurance has cropped up. But finding insurance that covers both 3yr and 5yr old kids has so far proven difficult.
Polos Mum
Well-Known Member
I would consider your own public liability insurance to be sufficient (assuming you're not planning to let your 3 y.o hack off the lead rein without you)
Talk to the common providers (BHS, Harry Hall, BD etc.) and clarify that you will be in control of the pony so you would be the person liable if anything happened so you want to be covered.
The chances anyone makes a claim for damages against your 3 y/o is pretty small!
Talk to the common providers (BHS, Harry Hall, BD etc.) and clarify that you will be in control of the pony so you would be the person liable if anything happened so you want to be covered.
The chances anyone makes a claim for damages against your 3 y/o is pretty small!
teapot
Well-Known Member
It’s one of the main reasons why most places don’t offer lessons until the child is four. Under 4s gets a bit murky.
Nativelover
Well-Known Member
Yes I’m finding this is the case, I have been going to a riding school that does ‘tiny tots’ but have just recently had a bad experience there and am looking at a share for them. This is when the question of insurance popped up and when I’ve looked the lowest is 4 years.
He obviously would always be supervised and never off the lead, and held on mostly!