Where would I stand legally...

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alpha1

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Hi all

I have two horses and obviously cant ride them both at once so was thinking about asking a girl (she's 17yo but a very good rider) if she would like to ride one on a few pleasure rides, farm rides etc whilst I ride the other...


Does any one know where would I stand legally if something happened and she got injured?

Thanks
 
Are your horses insured? Under my insurance, anyone that I give permission to ride my horse, is covered for 3rd party liability. If they require cover for medical, they may need their own insurance.
 
your horses insurance will cover her for liability as long as she is not doing this for financial gain (ie you are paying her to exercise) she would be well advised to have her own rider policy and accident insurance. accidents sadly do happen.
 
When i had someone jump my horse (not for financial gain) I was able to add her as a named rider and she was covered for injury same as I was, not sure if it cost me more or not, if it did, it certainly wasn't noticeable on my monthly payments!!!
 
As shes under 18 she cant legally commit to a contract waiver of ride at your own risk, i would get parents/guardian to sign one and make sure she has her own insurance with public liability
 
She should get her own rider insurance.

That way she can have the level of cover that she wants and it wont be your worry.

Your horse would be covered on your insurance regardles of who is riding or handleing it, but only named rider are coved.
So if you dont name her on your insurance (and pay extra for her) then she wont be covered.
So sorting her own is best.
 
Check the insurance carefully and don't assume cover - I am with NFU and I specifically asked about this and was told quite clearly that my insurance did not cover anyone else riding my horse - for pleasure or for gain.
 
You need to check your own policy of insurance, they are different, do not rely upon what someone on here says. If in doubt phone your insurers.

You need to make sure that your horse is still covered for injury etc when she is riding as it would be if you were riding.

You need to make sure that there is public liability insurance in place in case they are involved in an accident with someone else.

You should also make the rider aware that if she requires personal accident cover she should take this out herself.

You may wish to arrange the insurance yourself for peace of mind and ask her to cover any additional cost you may be happy to cover the cost if she is doing you a favour or you may be happy for her to arrange any additional cover she needs independantly. BHS gold membership might be an economical and flexible way for her to do this as it provides PL and personal accident cover in relation to any horse you are riding with permission.

I took out BHS membership when I was sharing and have kept it on so that I know I am covered if ever there is an opportunity to ride someone else's horse.
 
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