Public liability insurance

[molly1873]

I have recently put my pony on loan to a family , to cover myself I want to get insurance even although she no longer lives with me .
I’m not sure if you can get a PL policy to cover the pony if they aren’t ridden or kept by you ?
I’ve checked BHS and Harry Hall but it’s not clear
I am still the legal owner and have her passport .
Any suggestions?

 

[JBM]

I have public Liability insurance in ireland with hive and it covers anyone who I give permission to ride my horse

 

[ycbm]

I would ask the loaners to pay for World Horse Welfare and show you a receipt. It's non refundable so they can't cancel it unknown to you. I would also join WHW myself for belt and braces.
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[molly1873]

I would ask the loaners to pay for World Horse Welfare and show you a receipt. It's non refundable so they can't cancel it unknown to you. I would also join WHW myself for belt and braces.
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Thank you , never realised they did insurance
It’s a bit of a tricky one as it’s in the contract they need to have it but it seems to be going on forever so I would rather do it for peace of mind

 

[Kat]

To be really safe you need PL and they do too.

It is dead cheap via BHS or WHW so just insist they get one or the other and get a policy yourself.

You can probably get policies that cover both the owner and the loaner but you want peace of mind and to be sure that your cover can't be cancelled or voided by the loaners.

 

[ycbm]

Thank you , never realised they did insurance
It’s a bit of a tricky one as it’s in the contract they need to have it but it seems to be going on forever so I would rather do it for peace of mind

£10 million public liability for a joining fee of, I think, £58, which mostly goes to help horse welfare. What's not to like
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[Tiddlypom]

BHS public liability cover is up to £30million.

 

[ycbm]

BHS public liability cover is up to £30million.

Headline figures are very attractive, but in reality, how likely is it that anyone will ever get a payout of more than 10 million? I think even £10m is considerably more than the biggest payout ever recorded for a horse based accident, isn't it?
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[molly1873]

To be really safe you need PL and they do too.

It is dead cheap via BHS or WHW so just insist they get one or the other and get a policy yourself.

You can probably get policies that cover both the owner and the loaner but you want peace of mind and to be sure that your cover can't be cancelled or voided by the loaners.

I feel they are dragging their heels or not doing it as quickly as i would like so I just want to make sure that in the event of an accident I’m not going to be sued .
Although I’ve had it written in to the contract I just want piece of mind

 

[Leandy]

I feel they are dragging their heels or not doing it as quickly as i would like so I just want to make sure that in the event of an accident I’m not going to be sued .
Although I’ve had it written in to the contract I just want piece of mind

These aren't the same thing though. You should have public liability cover in case you are found liable in respect of your horse. The loaner should also have public liability cover in case they are found liable in respect of your horse. The cover is for each policy holder's liability, it doesn't attach to the horse itself irrespective of who is the liable party. You should both have cover IMHO. If the owner were still found liable even though the horse was in the loaner's care at the time, then the loaner's policy is not going to cover that.

 

[PeterNatt]

You need to go to an insurer such as NFU so that you get the correct cover as you are loaning out the horse , which is no longer in your possession. By doing this you will always know that your horse is unsured to the specifications that you require.

 

[Kat]

I feel they are dragging their heels or not doing it as quickly as i would like so I just want to make sure that in the event of an accident I’m not going to be sued .
Although I’ve had it written in to the contract I just want piece of mind

No insurance no horse

 

[MiJodsR2BlinkinTite]

OK, so just let me clarify here: you have LOANED the pony out to some people who no longer keep said pony at your address, right??

In that case you do not need to insure, surely?? My reasoning being (from a brief job in an insurance office when I left school centuries ago) is that you cannot insure the same "risk" (i.e. the pony) twice for the same thing. So either you have to insure it, or the loaners do. You both can't.

Ask for loaner(s) to show you a copy of the insurance certificate which in most policies should cover PL anyway. No certificate, no pony. Period.

 

[ycbm]

OK, so just let me clarify here: you have LOANED the pony out to some people who no longer keep said pony at your address, right??

In that case you do not need to insure, surely?? My reasoning being (from a brief job in an insurance office when I left school centuries ago) is that you cannot insure the same "risk" (i.e. the pony) twice for the same thing. So either you have to insure it, or the loaners do. You both can't.

Ask for loaner(s) to show you a copy of the insurance certificate which in most policies should cover PL anyway. No certificate, no pony. Period.

You're not insuring the pony though, you're insuring liability by an owner and liability by a keeper.

I can see situations where the keeper is liable because they lazily let go of a horse and it ran into a road, and also situations where the owner is liable because their horse was known to have a propensity to pull away from the keeper and run into the road. That's why I think both need insurance against their own particular liability.
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[Kat]

You're not insuring the pony though, you're insuring liability by an owner and liability by a keeper.

I can see situations where the keeper is liable because they lazily let go of a horse and it ran into a road, and also situations where the owner is liable because their horse was known to have a propensity to pull away from the keeper and run into the road. That's why I think both need insurance against their own particular liability.
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This


You also have to consider the risk of the owner being sued by the loaner because they have been injured by the horse and say the owner misrepresented the horse.

You definitely need your own public liability insurance.

If the loaner isn't taking out a policy as agreed I would say that they can't loan the horse. If they are scrimping here what other corners are they cutting. Not worth the risk.

 

[poiuytrewq]

I would ask the loaners to pay for World Horse Welfare and show you a receipt. It's non refundable so they can't cancel it unknown to you. I would also join WHW myself for belt and braces.
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I’ve been looking at this today, it says covers multiple horses but I can see anywhere how many that is, anyone know?