I am under 18 years old. Can I take out the junior policy?
You must have a parent/guardian take out the policy for you as you are under 18 years old. The policy will include your details and be for your sole use.
Are there any age limits for the insured rider?
Any insured rider must be between 5 & 75 years old.
What is the maximum value that is covered for Custodial Liability?
Custodial Liability cover is provided up to £3,500 depending upon the cover chosen. Settlement is assessed on the sum insured or market value whichever is less.
In what circumstances are vet's fees covered?
Emergency vet's fees for external visible accidental injury only are covered for treatment up to 24 hours after the injury occurred.
Will the insurance cover other people to ride?
No, the Rider Only insurance policy only covers the named rider. Separate policies should be taken out if there are multiple riders wanting insurance cover.
What does Personal Accident mean?
You sustain an accidental bodily injury as a result of riding, leading, handling or caring for your horse and the injury does, within 12 months, result in death, total and irrecoverable loss of hearing, sight or limbs or total permanent disablement.
I have an existing medical condition, will this affect my ability to claim?
You are obliged to inform us of any medical condition that you have which might affect your policy. The insurer will advise you at the time you take out your policy how your condition might affect your cover.
What should I do if anything happens that could result in a third party claim against me?
Most importantly you should not admit any responsibility, agree to pay a claim or negotiate with any other person after any incident. You should contact your insurance company and allow them to take charge of your claim. You must send them any writ, summons or legal documents you receive and allow them to act and reply on your behalf.
What is the excess on the Rider Only policy?
An excess applies to claims under the following sections of cover:
- Vet's Fees: £100
- Saddlery & Tack: £85
- Public Liability: £250
How do I protect my saddlery and tack from theft or damage?
When not in use, please click here for our security requirements for saddlery and tack.
Will you want to see the horse's body in the event of a horse death following an accident whilst I am riding it?
No, however, you must arrange and pay for a vet to certify the cause of death. The vet must make a post-mortem examination at your expense if the cause of death is unknown.
What do I have to do if my Saddlery & Tack is stolen?
You must tell the police immediately upon discovery and preferably within 24 hours of discovery. You must and obtain a crime reference number. Once this has been done the crime reference number and details need passing to us as the insurance company. You must do everything you reasonably can to recover your saddlery and tack.
Am I covered for competing on my Rider Only policy?
Yes, the policy allows you to compete - ensure that you check the type of use activities when going through the quotation.
Am I covered to ride whilst overseas?
No, this policy only covers damage, loss and liability whilst in the United Kingdom, Channel Islands or Isle of Man.
Is the dental treatment for me or the horse/pony?
The policy includes dental treatment for the rider following a bodily injury to your mouth and/or teeth as a result of you riding, leading, handling or caring for the horse.
The Emergency Vet's Fees section on the policy would also cover emergency vet's fees for an injury to the mouth/teeth of the horse however the policy does not cover any costs due to tooth or gum disease or wolf teeth. Emergency vet's fees are covered for treatment up to 24 hours after the injury occurred.
What is Private Tutoring?
Private tutoring fees is for children aged 5-17 years if they are unable to attend their full-time educational establishment solely as a result of a riding accident.