Riders insurance recommendations?

[TealH0rse]

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]

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.

 

[TealH0rse]

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.

 

[Skib]

Is it covered by your house insurance?

 

[TealH0rse]

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.

 

[Bionic Boy]

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.

Hi TH. Did you find out how the 2 horse thing works? I have 2 horses of my own (1 retired) and ride a friends so like you was wondering if the horses have to be named and can be changed?

 

[TealH0rse]

Hi TH. Did you find out how the 2 horse thing works? I have 2 horses of my own (1 retired) and ride a friends so like you was wondering if the horses have to be named and can be changed?

Thank you for reminding me!! It completely slipped my mind when I realised my insurance wasn’t running out until the end of March.

I’ve emailed them now so will let you know when I hear back

 

[TealH0rse]

Hi TH. Did you find out how the 2 horse thing works? I have 2 horses of my own (1 retired) and ride a friends so like you was wondering if the horses have to be named and can be changed?

I have just done a test sign up and it looks like you do have to name them on the policy (into details of passport number etc). I asked in the email how easily they can be changed but I might have to look elsewhere solely because it’s a lot of hassle for part loans.

It’s a shame because I love Harry hall and the free U.K. delivery + 30% off would’ve been great…