sharing agreement questions!

[digitalangel]

I was wondering how people handle sharing/loaning and what would happen in the event of an accident? Some of the recent threads have got me worrying a bit!

My pony is 99%bombproof but shes a horse and fro time to time has had a little 'moment' - but has never gotten anyone off ! Her current rider has now grown out of her and a new livery at the yard is now interested in her daughter riding her twice a week. Ive watched the daughter ride and she has a lovely sturdy seat, but is not as experienced as her previous rider.

I was lucky enough with my previous loaner that she was a good enough rider to handle my pony in all situations and also had the added support of regular lessons.

My pony is in her early twenties, and for that reason, doesnt have any insurance - she is worth her weight in gold to me, and to a kid who wants to learn to ride, but £0.01 in real money. i have BHS gold membership myself, and personal accident insurance. My previous loaner had her own rider insurance.

I also never had any kind of written agreement with my previous loaners, and i guess i was lucky they were so lovely because i know a lot of loans go bad.


I should probably draw up a share agreement for the new loaners does anyone have a template for a *share* ( i know the BHS ones have loan ones but mine would probably specify financial contribution, days per week, etc etc ) and also should i get my pony covered for all riders and does insurance like that even exist? Or should it be up to the sharers family to insure their daughter?

thanks in advance for any suggestions!

 

[CalllyH]

I would want to know the sharer has insurance too definatley! dont risk it

 

[digitalangel]

i agree i dont want to take any risks - but my question was is it worth me tryng to insure the horse for piblic liability/accident for all riders and does it exist?

that way if for whatever reason the sharer insurance doesnt cover - or its lapsed or something, then im stll covered

also is it something that should be in the contract?

 

[Angua2]

Here are some things I had in my sharer agreement.
clarity on who owns what if they buy anything for the horse.
If they have oportuinities to do things who is reponsible for costs.
IF you have a preferred instructor
specify that they have riders insurance
what happens if they can't do their days through illness or holiday, do they still pay!
what happens if the horse is out of action through illness or injury
outline what they can and can't do with your horse ( ie if the horse is not allowed to jump)
outline any issues you are aware of ( ie if they don't like bikes etc)

I can't think of anything else

 

[digitalangel]

yes!! brlliant stuff!! good question tho - do they pay if they can ride? HMMM!