third party insurance news help

[hollyandivy123]

http://www.horseandhound.co.uk/news/397/286395.html

this has jsut been brought to my attention, does any one know if the BHS gold third party, would cover someone else holding or moving my horse about and also if i swapped rides out hacking would my mare still be covered if something happened?

 

[ladyt25]

The general PL cover under most equine policies would cover you, or any person given permission by the Insured (ie You) to ride or be in control of the Insured Horse (ie Your Horse).

Generally PL is excluded in any situation where any payment is involved/changing hands whether it be you paying someone to ride your horse or where they are paying you to ride your horse. In that situation there would have to be separate, specific liability cover in place.

So, if you are out riding and you and your friend decided to swap horses then yes the PL should, on a standard policy, cover this. BUT check your specific policy - some do have to have individual's names noted on the policy itself for the Public Liability and also Personal Accident sections.

If in doubt ring your insurer.