Riders insurance recommendations?

TealHorse

Active Member
Joined
21 November 2020
Messages
31
Hi

Not a new rider, but not entirely sure where this question should go and the replies might help some new riders.

I have been on BHS gold for a number of years, but would rather avoid the £80 fee on renewal now that I’m no longer a junior.

I have had a look at Harry Hall, benefits seem good. Public liability is less but the £ off in the shop and free delivery is tempting me. Only downside is 2 max horses - does anyone know if you have to list the horses/if you can change it? I sometimes ride friendhorses/pick up more part loans in the summer.

Does anyone else have a recommended brand. I’m only looking for public liability and personal injury as I am currently part loaning and have no intention to buy in the next year.

Thanks in advance.
 

Squeak

Well-Known Member
Joined
6 April 2009
Messages
1,877
I'm currently with World Horse Welfare and found their insurance more comprehensive than Harry Hall. I have the veterinary cover version though so I can't remember how just the public liability and personal accident compares.

None of them have a great personal accident insurance though. They're more for losing a limb etc than if you're off work for breaking something etc. If you're wanting something more like that then you'd be better to speak to a specialist broker as there are quite a few options.
 

TealHorse

Active Member
Joined
21 November 2020
Messages
31
I'm currently with World Horse Welfare and found their insurance more comprehensive than Harry Hall. I have the veterinary cover version though so I can't remember how just the public liability and personal accident compares.

None of them have a great personal accident insurance though. They're more for losing a limb etc than if you're off work for breaking something etc. If you're wanting something more like that then you'd be better to speak to a specialist broker as there are quite a few options.
Thank you :)

Ended up making a spreadsheet comparing a few of them and HH/WHW are pretty much the same.

I've already got some decent insurance which covers personal accident, it just isn't specifically rider's insurance so I am focusing on public liability.
 

TealHorse

Active Member
Joined
21 November 2020
Messages
31
Is it covered by your house insurance?
For £40-80 a year, I’d rather just pay out separately than rely on house insurance which probably has some loopholes in it. I also part loan and a lot of owners like to see evidence of riders insurance.
 
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