Insurance question

[c4rla]

Sorry if this has been asked before.

I am about to renew my horses insurance. I only really want the policy to cover is public liability, however it covers death and a few other things that the lowest policy I could find does.

I've been thinking about joining BD, which costs £78 and includes personal accident and liability insurance, and not renewing my insurance. My policy costs £63, so there is not a huge difference (obviously there’s other benefits from joining BD as well, so I don’t mind the difference in cost!!). I have downloaded the Key Facts from Shearwater and it all looks ok to me, I’m aware there’s a £500 excess.

So I just wondered if anyone has any experience with this and if there’s anything I’ve missed? As for me it seems the BD route is far more sensible if you’re just after public liability insurance. Especially as I’m about to get a second horse.

Any thoughts would be gratefully received.

 

[Hot_Toddy7]

The other option is BHS membership which covers PA & PL, think this is (or was when I renewed!) approx £60 per year.

 

[c4rla]

Thanks, I'd picked British Dressage rather than other organisations offering a similar public liability insurance, as there's a good chance I'd be joining anyway by the end of the year! Just waiting for my mare to get a little older so I'm a bit happier going out to competitions

I just feel a little weary about cancelling my own insurance altogether, so I’m hoping someone will have had some experience that will help make up my mind!

 

[Polos Mum]

I don't know about the BD policy but the check the limits and excess, BHS policy is £20 million (a fair sum if your horse got on the road and caused a traffic accident with multiple people) and nil excess.