Well if I broke my leg, I would not expect even my permament health cover insurnace to pay 10K!
Only expect insurnace to step in after ran to end of sick pay from employers.
But BHS GIOld covers al hte hroses for about 50, for 10 million
NFU was £55 for 2,.5 million, and that was for each horse.So saving over £100 a year on premiums for more PL cover
BHS only covers you to ride not other people riding your horse, NFU do. I also beleive that there is some exclusion regarding incidents with vehicles but not sure what.
I asked the BHS about other people riding my horse and they said that you are covered because it is your horse so the liability is still yours. Best to check with them