Harry Hall One Club & Insurance Terms and Conditions

Your membership and/or cover is activated on purchase.
Your membership number can be accessed in our Harry Hall insurance portal. Use the same login you use for HarryHall.com.
You are over 18 years old or have parental consent to join the Harry Hall One Club if under 18.
Membership subscriptions run for one year from the date of joining. Payments will be taken, monthly or annually depending on the options chosen during sign up and will recur until cancelled.
If payments fail or do not process for any reason, your membership and/or cover will stop with immediate effect.
If you decide to make payments for your Gold or Platinum membership on a monthly basis, should you cancel your payments for any reason during the year, you will be required to settle any outstanding balance.
Harry Hall One Club membership gives you exclusive discounts all year round. This includes rider wear, horse wear, pet products, supplements, gadgets, grooming products and much more. Certain product exclusions do apply.
Harry Hall One Club Gold, Gold Plus and Platinum membership gives you FREE delivery in mainland Britain.
Harry Hall One Club Bronze membership gives you unlimited FREE delivery with a minimum spend of £50.
Discount codes and gift cards are not eligible for use when purchasing membership.
Details and full terms for the LawAssure platform and legal helpline can be read here
You are able to cancel Gold or Platinum membership within the first 14 days, provided you have not submitted a claim under the insurance policy, or placed an order. A full refund will be issued with no admin charges. If any orders have been placed during the membership you will be required to either return the order in full under the Harry Hall Returns policy or be invoiced the remainder of the non-member price. Alternatively, if you still wish to benefit from product savings you can downgrade to Bronze membership at a cost of £10 per year. After these 14 days you can cancel the policy at any time and a prorata refund will be issued minus a £15 admin charge or the balance of the membership is due, whichever is the lesser amount. If you wish to cancel, we'll be sorry to see you go, then please call our team on 01274 711011 or email contact@harryhall.com.
You are able to cancel Bronze membership within the first 14 days, providing you have not placed an order. A full refund will be issued with no admin charges. If any orders have been placed during the membership you will be required to either return the order in full under the Harry Hall Returns policy or be invoiced the remainder of the non-member price. After these 14 days there is no right to cancel the membership during the year and no refund will be issued.
Our Single Gold Membership covers up to 1 Policy Holder and a maximum of 2 Horses. Our Gold Family Membership covers up to 4 Family Members and a maximum of 4 Horses, with our Platinum Membership covering a maximum of 10 horses. Gold/Gold Plus and Platinum Membership includes Public Liability & Personal Accident Cover for the volumes listed above.
Family Members must share the same address.
You must ensure you select the appropriate level of membership to be covered correctly.
This is an insurance of last resort - If at the time of any claim there is any other valid insurance policy available to you which entitles you to an indemnity, or would have entitled you to an indemnity if this policy did not exist, then the insurance offered by the Gold or Platinum membership policy will be in excess of and will not contribute with such other insurance.
If you have made a claim or you are aware of an incident that may give rise to a claim during the current period of insurance, then you must pay the annual premium in full.

Cover provided with Gold and Platinum Membership

Harry Hall One Club Gold and Platinum memberships give you unlimited FREE UK mainland delivery with no minimum spend.

Public liability insurance up to a limit of £10,000,000*

Cover is limited to:

The maximum number of horses/ponies owned by an individual members being 2, of which they are the registered owner or have a loan/share agreement in force.
The maximum number of horses/ponies owned by all members on the Family membership being 4, and one of the family members must be the registered owner of the horses/ponies or have a loan/share agreement in force.
The maximum number of horses/ponies owned by an individual Platinum membership being 10, of which they are the registered owner or have a loan/share agreement in force.
The policy covers recreational riding and ownership or control of horses, including fun rides, local gymkhanas, hunting, leisure driving and unaffiliated dressage and jumping shows. All other activities are excluded. Should you choose the Gold Plus or Platinum membership cover is extended to include events affiliated to British Eventing, British Dressage, British Showjumping & British Show Horse Association and also to AQHA Arena based trail riding.

Policy wording (click to download policy wording which contains terms and conditions). Printed version available upon request.

Personal Accident Insurance up to £10,000*

Cover is limited to:

Benefits 1 – 7 as detailed below and defined on page 6 of the policy wording. Please note there is no cover for Temporary Total Disablement.

Death - £10,000
Permanent Total Loss of Sight of One Eye - £10,000
Permanent Total Loss of Sight of Both Eyes - £10,000
Loss of one or more limbs - £10,000
Permanent Total Loss of Speech - £10,000
Permanent Total Loss of Hearing (a) in one ear - £2,500 (b) in both ears - £10,000
Permanent Total Disablement - £10,000

Policy wording (click to download policy wording which contains terms and conditions). Printed version available upon request.

Enhanced Personal Accident Insurance including Rider Fracture

Anyone holding either an ‘Enhanced Gold’, ‘Enhanced Gold Plus’, ‘Enhanced Family Gold’, ‘Enhanced Family Gold Plus’, ‘Enhanced Platinum’ or ’Enhanced Family Platinum’ Harry Hall One Club Membership benefits from Rider Fracture Cover.

	Cover is limited to:	A	B
*Item*	*Bone Fracture*	*Sum Insured (Age 14-65)*	*Sum Insured* *(Age under 14 or over 65)*
1	Skull (open/closed fracture)	£1,500	£750
2	Cheekbone	£1,000	£500
3	Jaw	£1,000	£500
4	Collar bone	£1,000	£500
5	Shoulder blade	£1,000	£500
6	Sternum	£1,000	£500
7	Arm	£1,000	£500
8	Ribs	£1,000	£500
9	Vertebra	£1,000	£500
10	Wrist/Hand (excludes fingers)	£1,000	£500
11	Pelvis	£1,000	£500
12	Upper leg	£1,000	£500
13	Knee	£1,000	£500
14	Lower leg	£1,000	£500
15	Ankle	£1,000	£500
16	Foot (excludes toes)	£1,000	£500

	*Age 14-65*	*Age under 14* *or over 65*
Maximum Sum Insured Any One Occurrence*	£3,500	£1,750

*Note: please refer to policy conditions as certain types of fracture such as comminuted fractures are classed as one fracture.

Policy wording (click to download policy wording which contains terms and conditions). Printed version available upon request.

Terms, conditions and territorial limits apply.

We will use your name and home address to conduct relevant checks as required by our Financial Conduct Obligations, such checks will include Politically Exposed Persons and Sanctions Checks.

Policy documents for Members joining or renewing on or after May 25th 2023

Please download your policy documents below and keep them safe:

Download Terms of Business

Public Liability

Download Harry Hall One Club Public Liability Insurance Policy Details and Schedule

Download Public Liability Insurance Product Information Document

Personal Accident

Download Harry Hall One Club Personal Accident Insurance Policy Details and Schedule

Download Personal Accident Insurance Product Information Document

Enhanced Rider Fracture Benefit (For members joining on or after 1st July 2023)

Download Harry Hall One Club Enhanced Rider Fracture Benefit Insurance Policy Details and Schedule

Download Harry Hall One Club Enhanced Rider Fracture Benefit Insurance Product Information Document

Policy documents for Members joining or renewing on or between May 25th 2022 to 24th May 2023

Please download your policy documents below and keep them safe:

Download Terms of Business

Public Liability

Download Harry Hall One Club Public Liability Insurance Policy Details and Schedule

Download Public Liability Insurance Product Information Document

Personal Accident

Download Harry Hall One Club Personal Accident Insurance Policy Details and Schedule

Download Personal Accident Insurance Product Information Document

Policy documents for Members joining or renewing between May 25th 2021 to May 24th 2022

Please download your policy documents below and keep them safe:

Public Liability

Download Harry Hall One Club Public Liability Insurance Schedule

Download Harry Hall One Club Public Liability Policy Details

Download Public Liability Insurance Product Information Document

Personal Accident

Download Harry Hall One Club Personal Accident Insurance Schedule

Download Harry Hall One Club Personal Accident Policy Details

Download Personal Accident Insurance Product Information Document

Harry Hall Vet Fees Insurance Terms and Conditions

Please see full Vet Fee Insurance Terms & Conditions Here

Harry Hall Trailer Insurance Terms and Conditions

Please see full Trailer Insurance Terms & Conditions Here

Important Information

Equario Insurance (Guernsey) Limited, is registered in Guernsey under Registration Number 69867 and is regulated by the Guernsey Financial Services Commission. Equario Insurance (Guernsey) Limited’s registered office is Level 5, Mill Court, La Charroterie, St Peter Port, Guernsey GY1 1EJ.
Harry Hall International Limited is authorised and regulated by the Financial Conduct Authority (FCA) our firm reference number is 968047. You may check this on the Financial Services Register by visiting the FCA website click here
Pony Club products and Personalisation are excluded from the FREE UK delivery offered to Gold and Platinum Members. Free delivery is offered to UK mainland customers only.
Harry Hall donates £0.10p from new, single orders to our charity partners. Please note the following exclusions apply: renewals and gift cards,
Sign up vouchers are delivered to marketing consented customers by email and have a limited expiration and specific terms of use. Please refer to the email for further details and note that vouchers are single use for new and renewing customers only and have a minimum order value.
Cancelling a direct debit. You can cancel your direct debit at any time, but this does not cancel the membership. However, if payments fail or do not process for any reason, your membership and/or cover will stop with immediate effect and after the direct debit is cancelled, you may still have a balance remaining, which will be taken from the card used on your account.
In an effort to reduce paper and plastic usage, One Club membership has moved online! To view your policy documents please log in to the Harry Hall App or visit the My Account section of the website. You will also be emailed your policy documents and important phone numbers.