Loanee' insurance confusion ??? Anybody know ......

[Porkie]

Anybody understand insurance???

I loan my horse so my agreement is between my horse's owner and myself. He is kept on a big yard with her other horse, she oversees everything but I take care of him full time now, and I also take care of her other horse if she is on holiday etc.

Confusion is YO is worrying that as my name is not on the livery contract I'm not covered by her insurance should I have an accident on her yard. I have my own BHS insurance which covers me to ride any horse with owners permission, 3rd party public liability etc. and have offered to either sign some kind of 'livery loan' contract or a disclaimer to say I understand I am there at my own risk and she is not held responsible in event of accident if there is no such thing as a loan contact I can get between myself and the YO

If I sign a disclaimer would it in any way invalidate my own insurance which is with a different company??

Anybody else in my situation? What should I be doing or signing (or not signing!!! ) ???????????

Little worried and confused

 

[jumpthemoon]

Do none of the other liveries ever take friends or family to the yard, then? Sounds odd to me...

 

[Porkie]

(been trying to reply for ageeees but not working!!!)

Yes, thats what I can't understand - there are alsways other people on the yard. But I think what she is saying is that visitors are not allowed into the fields to bring in / turn out horses etc and generally help around the yard which I am/do as I am there every day.

Just wondered what people thought - but she was going to contact NFU totday so guess I'll find out later !!