Riders Insurance

[Little_Grey_Pony]

Hi there,

I'm self employed and constantly worry about what would happen if i was to fall off and break an arm, or worse, and be left unable to work for any amount of time. I have insurance through the BHS, but am i right in thinking this isn't the sort of situation it would cover. Can anyone recommend any other insurance policies to look at.

Thanks in advance

 

[LHIS]

BHS offer public liability cover with gold memberships, so no this isn't rider cover, if that's what you mean. A quick Google search will bring up a whole host of options I imagine. I have my rider insurance as part of my overall horse insurance, and am with the NFU.
There's a comparison tool in the h&h website too, if you search for insurance it'll probably come up.

 

[suffolkmare]

If you're an owner get a policy that covers third party and you as the rider, add whatever vet cover/tack/etc. you think and check if other riders on your horse are covered too....shop around online to see what's offered. If you ride other people's horses then look specifically for a rider-only policy to suit you. Good luck

 

[Shay]

You would be better off looking at a general injury / sickness policy as you are self employed. Horses are not the only thing that can make it difficult to work for a time. Also most standard policies of this type don't cover the self employed because your income can be too unpredictable so which ever policy you choose read the small print carefully.

I personal view - you are better off getting something like this through a broker or a professional adviser (my OH is self employed so I have some first hand experience of finding these policies). That way if a mistake is made you still have redress. But you can do it over the internet.

 

[gnubee]

Having had a quick look at rider insurance, I concluded that the policies I was willing to pay for didn't pay out enough for most types of injury to make it worth having. I second the recommendation for a general income protection policy (enduring injuries through risk sports like riding are not excluded).