Rider insurance

Devonshire dumpling

Devonshire dumpling

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If you don't own a horse but ride other peoples horses, do you have rider insurance, how much do you pay and are there exclusions for hunting etc?

I know it can vary, but just interested in what your insurance covers

Thanks in advance
 
I just use BHS gold membership, £55 a year:

Has accident cover
Third Party Liability
Free legal advice
Insures any horse you own, ride or look after
Recreational use (no business use)
 
I got bhs membership for this reason years ago. If I'm not making use of the insurance I don't feel I'm wasting money as there are other benefits, and it is a charity. It is also cheaper than the alternative.

I still use my insurance now I have my own horse!
 
I took BHS gold because I was riding other peoples horses out on the road and my own insurance did not cover riding others. It was the cheapest/best value for money I could find.
 
I have rider insurance with E&L... Admittedly I took this out before reading all the negative comments on here, I haven't had to claim yet so I personally haven't had any issues although I am considering changing to BHS Gold Membership.

As far as I'm aware, there aren't any exclusions with my current insurance but I could be wrong!!
 
Right.....

The reason I asked is because I am going to buy my husband some insurance for his bday (have arranged for 9 friends to go to goape with him as a surprise, so am not as mean as I sound lol)

He rides a 5 yr old who is very green, and has hunted him once but intends on being his regular hunter next season, he is the soul rider for this horse!

I looked at E £ L.........


Horse Rider Insurance
For horse riders aged from 5 upto 65 years old
Horse Rider Insurance Quote

For horse trailers and horse-drawn vehicles see our Horse Trailer Insurance policy.
30% Online Discount



Horse Rider Policy Information
Junior (5–17 Years) Adult (18–65 Years) Adult Plus (18–65 Years)
Monthly1 Yearly Monthly1 Yearly Monthly1 Yearly
Public Liability £1.25m £1m £1.25m £1m £2.75m £2.5m
Dental Treatment £1,750 £1,500 £1,750 £1,500 £2,000 £1,750
Death of Rider £7,500 £5,000 £12,500 £10,000 £22,500 £20,000
Personal Accident £12,500 £10,000 £12,500 £10,000 £22,500 £20,000
Saddlery and Tack £1,250 £1,000 £1,750 £1,500 £2,000 £1,750
Permanent Total Disablement £12,500 £10,000 £12,500 £10,000 £22,500 £20,000
School Fees £3,000 £2,750 – – – –
Vet's Fees £1,000 £750 £1,250 £1,000 £1,750 £1,500
Custodial Liability £1,500 £1,250 £2,500 £2,250 £3,500 £3,250
Excess

The excess is the amount you pay towards a claim. It is £50 on Custodial Liability section, £99 for Vet's Fees and Saddlery & Tack sections and £150 for Public Liability section. There is no excess on the other sections of cover.


£30 something a yr..... Is this a terrible policy then??
 
Bear in mind that the BHS personal accident cover is quite basic and very limited. It only covers accidental death, loss of a limb or sight, or permanent total disability and only up to a maximum of £15000 (£10000 in some circumstances). It won't cover you for lesser injuries - which may still involve time off work/loss of earnings etc.

I am a BHS gold member, BTW, but I am aware of the limitations of the insurance. ;)
 
One thing to double-check is that the policy you buy covers the ownership/payment combination you have. I.e. some will cover only your own horse; some won't cover if you are paid to ride and some won't cover if you pay to ride. Def a nice (and sensible!) plan though.
 
He's not paid to ride, its a friends horse and he keeps it fit all year and brings it on for them, in return he can do what he wants with the horse, hunting etc........ beach... whatever
 
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