Horse Public Liability Insurance
As traffic on UK roads increases, we recommend that you have horse public liability insurance, as you can never be sure what is around the corner when out hacking, leading your horse or caring for horses owned by your friends or family.
Do I need horse public liability insurance?
If you are travelling with your horse regularly, having an equine public liability insurance policy is paramount. As a horse rider, should an incident occur which results in an injury to a member of the public, or causes damage to their property, your rider insurance policy would cover you against subsequent damages awarded against you should you be found legally liable. Your policy would also cover the legal costs incurred by defending an action brought against you by a third party. Due to recent changes in the law, the cost of liability claims has increased in the UK over the last five years; therefore, without this valuable cover, your personal assets would be at risk should you be found liable for an incident involving your horse.
Do I need horse rider insurance even if I'm riding someone else's horse?
Even if you ride your friend’s horse or loan a horse, it is recommended that you have public liability insurance so that you are covered in the event of an incident taking place while you are riding their horse.
Does my Harry Hall One Club membership include horse public liability insurance?
The Harry Hall One Club includes public liability insurance and personal accident* cover for horse riders, as part of the Gold membership. Currently, the Harry Hall One Club has three great types of membership to choose from.
When you choose to join The Harry Hall One Club, you will be covered subject to the terms of the policy and territorial limits, should, for example, your horse escape from its field or spook while out hacking. Below are examples of claims made under an equine public liability insurance policy:
• A horse damaging a vehicle
• An individual sustaining an injury whilst you are riding your horse
• A horse injuring another horse or rider
• A horse causing an accident after escaping the boundaries of the property
Gold One Club members get the added benefit of £10m public liability insurance, £10,000 personal accident insurance and free delivery on all purchases all year round with no minimum spend. For more information on The Harry Hall One Club or to join please visit www.harryhall.com/oneclub or call our experienced customer services team on 01274 711 011.
Terms, conditions and territorial limits apply. Harry Hall International Limited are an appointed representative of South Essex Insurance Brokers Limited who are authorised and regulated by the Financial Conduct Authority. Third party property damage excess of £250 applies to each and every claim.