Sharer - do I need a contract?

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travelmad

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Getting a sharer, she is fab, has equine degree, very experienced. I have never had a sharer before - any tips? Do I need a contract in case she gets hurt? What do I do about insurance? No money involved on either side, I'm just happy to have someone to help me! But of course I should be prepared as accidents do happen.
 
Ask her to get BHS gold membership, it's only £40 or so a year and she will be insured via that should anything happen. If not, get something written up that you accept no liability should x, y or z happen.
 
From being a sharer a few years ago I would definately have your agreement down in writing. Then you both know exactly where you stand and what is expected. I didn't have a share agreement when I entered a share with what seemed to be a lovely lady, but 6mnths down the line she went back on what she had originally said I could do with the horse re competeing and then called me a liar, which was upsetting and would never have happened if we had a contract.

But sharing can be great and I am sure it will work out fine for you and your new sharer :) I would just be on the safe side. The BHS do a template contract.
 
As a sharer, I've always had a written agreement. I'm hoping to start a new share soon and suggested the bhs template to the owner. She hadn't done a contract with previous sharers but agreed that it was a good idea.
 
Bhs gold membership is invalid if there is any sort of payment between you.

She needs to talk to pet plan. Bhs and nfu both say there insurance doesn't cover where there is an exchange of money
 
The girl who rides one of my horses looked into BHS Gold membership and said it only covers your own horse.. Does that sound right? She went for Petplan in the end, but said a lot of them only cover you for death/disablement. Loss of earnings made it a lot higher and you really needed a life insurance plan for that.

I don't have a contract with her, there is no money changing hands, and its very informal. She just seems a lovely girl who mucks in when she is here etc.
 
Honey in that case it should cover her for public liability if she isn't officially sharing. I have pet plan which covers alot with a clause in my agreement that if I'm paid to ride a horse for someone that's classed as working so that insurance doesn't cover me. If I am just riding for friends or the horse is being ridden by me and no one else at the time I am covered. Had a huge battle to get suitable insurance but really needed.
 
I would strongly recommend a sharer agreement - confirming days, payment due and when, or chores, that the horse remains your property at all times, insurance excesses- I had a brilliant sharer who suddenly decided to chop 6 inches of my traditionals tail one day - not impressed - it wasn't even the horse she was sharing - that horse was off work and I had said she could borrow hairy one that day. Not bloody impressed and the share ended pretty sharp ish! I also include that a hat must be worn at all times, the rider has personal accident insurance and that no one else is allowed to ride the horse without my express permission in advance (aunties, nephews etc etc). It seems to work quite well.
 
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