ZonZeeks
New User
Having recently brought the E & L Horse Insurance I asked a basic generic question:
'If a third party has a ride on your horse with full consent of all parties given, or maybe if you are selling and the potential buyer is trying your horse and the unexpected happens and they fall and break an arm or wrist and legal action is taken against, you are covered?'
I was a bit shocked at the response as was directly told by E & L that you would not be covered under the public liability section of this policy (Even if the third party have their own cover).
I even rang E & L a second time to clarify and received the same response. I was told really they ought to have their own cover, fair comment on that one, but still nothing to protect you if they wanted to take legal action.
I then found out that not even the Personal Accident cover (more cost) would cover this as only you the named rider are covered then and not the horse. I had heard this company was one to avoid, but they don't make this at at clear even in the small print.
Moral is try asking this question yourself of any insurance company and your be shocked at the answer! Best thing is the Personal Accident part of the Horse Insurance only covers you for death or loss of two or more limbs, so that's at a guess 99.8% of all other injuries ruled out.
'If a third party has a ride on your horse with full consent of all parties given, or maybe if you are selling and the potential buyer is trying your horse and the unexpected happens and they fall and break an arm or wrist and legal action is taken against, you are covered?'
I was a bit shocked at the response as was directly told by E & L that you would not be covered under the public liability section of this policy (Even if the third party have their own cover).
I even rang E & L a second time to clarify and received the same response. I was told really they ought to have their own cover, fair comment on that one, but still nothing to protect you if they wanted to take legal action.
I then found out that not even the Personal Accident cover (more cost) would cover this as only you the named rider are covered then and not the horse. I had heard this company was one to avoid, but they don't make this at at clear even in the small print.
Moral is try asking this question yourself of any insurance company and your be shocked at the answer! Best thing is the Personal Accident part of the Horse Insurance only covers you for death or loss of two or more limbs, so that's at a guess 99.8% of all other injuries ruled out.