Shares insurance

[Jacksie]

I’m going to be looking for help riding my horses and rather than looking for a part loan (having seen too many horror stories on here and wanting to be able to keep a close eye on things) am thinking of offering someone the opportunity to come hacking with me on a regular basis. I think it’s a fair deal - chance to hack a well behaved horse at no cost and with no chores?

What I’m not sure on is what insurance they will need? My horses are fully insured and I have BHS gold cover but I expect the person riding my horses will need their own cover? Does anyone have any experience with this and is there anything else I need to know. Am I opening up myself to a world of potential issues! Thanks all

 

[Vodkagirly]

They need there own public liability insurance as a minimum, may be worth them looking at rider insurance so they have personal accident cover etc

 

[KatieDM]

I have BHS Gold at £8 a month. Covers public liability and personal accident. I share/part-loan x 3 days a week.

 

[Skib]

I have BHS gold cover but I expect the person riding my horses will need their own cover?

If your sharer is going to hack, or ride outside your property, it is best for the sharer to have the same BHS Gold. I joined BHS for life and bought it as soon as I started to hack. The 3rd party cover may duplicate that in one's home insurance but that's too bad. The BHS insurance is last resort, meaning they wont pay out if another policy is there and covering it, but as least I know I am covered when hacking. I was an elderly beginner and thought of it as being like 3rd party car insurance.
The horse is not covered. Only the owner can insure the horse (I was told). So I have always thought there was a grey area when a sharer is on the owner's property and there might be some question of who was the negligent party (if there was one).

BHS insurance allows one to phone with any insurance enquiry, so one can get advice. The BHS legal help line told me that an adult on a horse is responsible for their own safety and can take the final decision about whether or not to carry out an instruction they deem as unsafe. So it isnt just you assessing your sharer, but the sharer's riding history

However, you talk about a person riding your horses. If there is more than one horse and you are hiring them out then you may need a local authority licence and the correct insurance. It isnt like a private one on one share.

 

[Jacksie]

Thanks all for the replies so far. Just to clarify, no money will be changing hands. It will be the same share person. I’ll be using two of my horses as we will hack together. I expect the share person will ride either horse, rather than sticking to a named one. I’d like to keep it informal rather than have pre-agreed days/times as it needs to work around me.