Letting someone ride your pony

[Hayjaney83]

Hi everyone I’m looking for a little bit of advice.
I have 2 pony’s and I’m looking for some help looking after them I’ve found a lady with 2 daughters who in exchange for mucking out grooming etc would like to ride once a week.
should I have them to sign a disclaimer? And what is the situation regarding insurance? I obviously have insurance but she is riding at her on risk off of my premises so should she have an accident I don’t want to be responsible, how does it work with this kind of situation?
thanks so much in advance

 

[Shay]

Disclaimers have absolutely no value in law. You need sufficient 3P insurance. You can ask, even require as part of a contract, that she carry rider insurance, but the bottom line is that you are liable.

The best thing to do is have a contract specifying the requirement for rider insurance. But also make sure your 3P is sufficient. Not the cheap / free stuff. Liability is strict in law - you need a decent cover BHS gold is £30M Harry hall - in contrast - is £10K.

 

[The-Bookworm]

Depends who you are already with. My insurance company doesn't cover anyone to ride mine, only handle with my consent.