Daisy11
Well-Known Member
I'm having to renew my insurance and was just thinking about where I would stand with regards to third party liability on public footpath land now this is where the catch is I know you are insured with a running footpath and been told as long as horses are seperated from the footpath we covered but what if people was allowed full access of field , I rent a field that belongs to the local village people but is run by the local parish council the villages have the right to either use the whole field or have access to footpath , if our horses kicked someone would insurance still pay out even tho it's public land does normal individually underwritten policy's cover this