Public Liability Insurance options

[Fransurrey]

Currently BHS. Thinking of switching. I can only think of Harry Hall and WHW, but are there others?

 

[Melody Grey]

I have mine with KBIS but it is an add-on to catastrophe cover for my horse. Not sure if you can get it as a stand alone policy? Might be worth asking them?

 

[Arzada]

British Driving Society

 

[rextherobber]

I have mine with Cliverton

 

[PeterNatt]

The advantage of the BHS Gold membership is that you get Third Party Insurance cover of £20,000,000 which is the amount that was stated as a result of the Mirvahedy vs Henley case in 2003. Also by having BHS membership you are supporting the good work that they and their volunteers carry out.

 

[ycbm]

If you have house insurance check it, it is often on the policy. The amount, though, is not usually as much as is recommended for horse owners. Mine is currenly £2m.

 

[Fransurrey]

If you have house insurance check it, it is often on the policy. The amount, though, is not usually as much as is recommended for horse owners. Mine is currenly £2m.

This is why I want extra - £2m is nothing if he was to squash someone and cause life changing injury.

 

[staffylover]

I've just checked my house insurance documents and as I understand it Public Liability is covered for domestic dogs and cats only, NOT horses. Any incident involving animals apart from dogs and cats seem to be excluded - I suppose that's not surprising as it is for house and contents! I may have it wrong, but that's how it seems to me from the small print.

 

[OlderNotWiser]

My house insurance didn’t cover my daughter’s horse when she lived at home. Horse spooked and bumped a car causing a dent. KBIS paid out but the underwriters tried to counter claim on the house insurance and it was not covered.