Rhetorical question

[Appy looser]

IF I had a horse on working livery at an unlicensed riding school would I be liable if a client of said riding school had an accident while riding my horse?

 

[ycbm]

Possibly. I certainly wouldn't risk it, I can see a number of situations where you could be sued either alone or in a joint action with the riding school. I would say you need £20m of 3rd party cover for that situation, but you might find it problematic to get cover for where strangers you don't know ride your horse.

Is the riding school properly insured? I would have thought they would find it difficult to get cover if they are unlicensed. Is that even legal?
.

 

[Appy looser]

Thanks ycbm. I had an inkling it wouldn't be the right thing to do but am glad to have another opinion. Cheers.

 

[Pearlsacarolsinger]

It would not be sensible to put a horse on WL at an unlicensed RS. It isn't that difficult to apply for a licence but if the YO wants to risk running an unlicensed RS, that is a different situation entirely from you allowing your horse to be ridden for reward by random strangers without PL insurance.

 

[Appy looser]

Thanks Pearsasinger.. I do have PL insurance but still wouldn't want to be liable because YO not licenced. What a minefield. Will have a rethink.

 

[asmp]

Would your PL insurance cover if the person is paying to ride?

 

[Red-1]

Would your PL insurance cover if the person is paying to ride?

I doubt it, that is usually not covered.

 

[Appy looser]

Quite right Red-1. That's not included. This is all very informative and helpful.

 

[Gloi]

You do need to be careful. If your horse had an accident and was injured you may struggle on his insurance too if he was being used in a school.

 

[EventingMum]

I suspect any insurance you have will not be valid in this situation. Any insurance the RS has is likely to be invalidated too by the lack of a licence.

 

[Goldenstar]

Would your PL insurance cover if the person is paying to ride?

No