abbieandfiona
Well-Known Member
Taking on a loan mare for 6 months and need insurance for her however she is 22, what are the chances of me getting any insurance for her?
Older insurance
- Thread starter abbieandfiona
- Start date
hotdog
Well-Known Member
I got insurace for my old horse through NFU for my horse who was 22 - but it just covered for accidents and cost about £150 a year - considering I was gifted the horse it was not really worth it so I only have BHS gold members insurance now
abbieandfiona
Well-Known Member
I already have BHS membership am with nfu and petplan and e&l between 3 i already have. (no point in changing as e&l have paid over 10k now towards mare). In agreement owner wants insurance.
suzanneand bayley
Member
what does "bhs gold members insurance" cover you for???? and how much is it???? my mare is 25ish i think not really too sure of her age, so this is what the vet told me(when i bought her i was told she was 15
....)and that was only this june....
abbieandfiona
Well-Known Member
From website -
How do I get an insurance quote?
The BHS is a charity. Gold Members receive certain insurance benefits (see below for more detail), as well as supporting the work of the charity. The BHS does not sell insurance, but if you are seeking to extend your insurance beyond Public Liability and Personal Accident insurance we suggest you speak to the company that supplies our insurance, South Essex Insurance Brokers, on 01708 852932.
What insurance do I get as a BHS Gold Member?
As a BHS Gold Member you receive the benefit of Public Liability cover with an indemnity limit of £10,000,000 and an element of Personal Accident cover with various limits detailed below.
What does the Public Liability Insurance cover me for?
The Public Liability Insurance provides cover for any third party injury or property damage that arises out of your legal liability/negligence as the BHS member.
What does the Personal Accident Insurance cover me for?
The Personal Accident will provide cover for the member only. The benefits payable shall be as follows:
a) Horse related accidents other than while attending an Organised Equestrian Event as defined in scale B, but including traveling to and from such an event.
b) Horse related accidents while attending an Organised Equestrian Event being an official event or official practice/training session organised by or affiliated to the BHS, BSJA, Pony Club, BHS Riding Clubs, BE, BHDTA, BD, Endurance GB, BEV or FEI, but excluding traveling to and from such an event.
A
B
Accidental Death
£10,000
£15,000
Total and irrecoverable loss of sight of both eyes
£10,000
£15,000
Total and irrecoverable loss of sight of one eye
£5,000
£7,500
Loss of two limbs
£10,000
£15,000
Loss of one limb
£5,000
£7,500
Total and irrecoverable loss of sight of one eye and loss
of one limb
£10,000
£15,000
Permanent total disablement
£10,000
£15,000
When does the Insurance start?
If you apply on-line with a credit or debit card you are insured as soon as you receive a confirmation email back. If you apply by telephone with a credit or debit card you will be insured from that day. If you send in a cheque or direct debit form you will be insured from the day your application is received by the Membership Department.
How many horses are insured?
All horses that are owned by you are insured on the condition that they are used purely for recreational purposes and there is no business use/money exchanging hands.
What are the exclusions?
The full list of exclusions can be found in the BHS Handbook. The main exclusions are:
* Horse racing, point-to-point racing and steeple chasing
* The use of horse or horse-drawn vehicle for hire or reward
* Any business activities
Are any other members of my family covered?
The BHS offers a family policy which would be the most appropriate policy to take if all members of the family are riding on a regular basis.
How do I get an insurance quote?
The BHS is a charity. Gold Members receive certain insurance benefits (see below for more detail), as well as supporting the work of the charity. The BHS does not sell insurance, but if you are seeking to extend your insurance beyond Public Liability and Personal Accident insurance we suggest you speak to the company that supplies our insurance, South Essex Insurance Brokers, on 01708 852932.
What insurance do I get as a BHS Gold Member?
As a BHS Gold Member you receive the benefit of Public Liability cover with an indemnity limit of £10,000,000 and an element of Personal Accident cover with various limits detailed below.
What does the Public Liability Insurance cover me for?
The Public Liability Insurance provides cover for any third party injury or property damage that arises out of your legal liability/negligence as the BHS member.
What does the Personal Accident Insurance cover me for?
The Personal Accident will provide cover for the member only. The benefits payable shall be as follows:
a) Horse related accidents other than while attending an Organised Equestrian Event as defined in scale B, but including traveling to and from such an event.
b) Horse related accidents while attending an Organised Equestrian Event being an official event or official practice/training session organised by or affiliated to the BHS, BSJA, Pony Club, BHS Riding Clubs, BE, BHDTA, BD, Endurance GB, BEV or FEI, but excluding traveling to and from such an event.
A
B
Accidental Death
£10,000
£15,000
Total and irrecoverable loss of sight of both eyes
£10,000
£15,000
Total and irrecoverable loss of sight of one eye
£5,000
£7,500
Loss of two limbs
£10,000
£15,000
Loss of one limb
£5,000
£7,500
Total and irrecoverable loss of sight of one eye and loss
of one limb
£10,000
£15,000
Permanent total disablement
£10,000
£15,000
When does the Insurance start?
If you apply on-line with a credit or debit card you are insured as soon as you receive a confirmation email back. If you apply by telephone with a credit or debit card you will be insured from that day. If you send in a cheque or direct debit form you will be insured from the day your application is received by the Membership Department.
How many horses are insured?
All horses that are owned by you are insured on the condition that they are used purely for recreational purposes and there is no business use/money exchanging hands.
What are the exclusions?
The full list of exclusions can be found in the BHS Handbook. The main exclusions are:
* Horse racing, point-to-point racing and steeple chasing
* The use of horse or horse-drawn vehicle for hire or reward
* Any business activities
Are any other members of my family covered?
The BHS offers a family policy which would be the most appropriate policy to take if all members of the family are riding on a regular basis.