Insurance for horse riding .
 

This is new to me but I think I might have to take out insurance for our daughter to go horse riding.

As I understand it, when she does the riding lessons at the riding school there is insurance in place (hence the expense) but if she does some riding as "payback" for mucking out then I have to insure against any claims.

Hopefully Moley insures horse riders as well :)

Any help would be most appreciated

Thanks

Shaun

Hi Shaun,

A few years ago a horse backed into my dad's car - he was stationary waiting for the horse to pass as it was looking nervous. It caused £500 worth of damage which the riders insurance covered.

So, if she is to go on public highways, the insurance may be worth having.

Steve

Hi Steve

Thanks for the post :)

I think I remember that incident.......

Cheers


Shaun

Never heard of this, Shaun. :confused:
We have a horse and obviously have to have insurance, but for what you are saying, I would say not. The horse owners insurance should cover any riding she does as a thank you for help :)

Hey Shaun, the riding school if they are BHS approved (which most are or should be!) will cover your daughter to ride there, but if she is mucking out and handling the horses i dont believe they will cover for this! Would be worth an ask though as all are different!
As for insurance, Petplan are the best, and Stoneways are ok too. Do not use E&L they are useless and never pay out! If you manage to get them to pay anything they take a good year or 2 aswell. Make sure she is insured for everything inc damage to property and dental work (mate just got his teeth kicked out) as they will cut things out if they think they can. It wont cost much to insure her, prob £10 a month but well worth doing!(from experience lol) Hope this helps x

why put a kiss at the end of your words ? arent you a bloke.....

With a name like KIRSTIEstar.....?

Not much gets past you eh ? :rolleyes:

a bloke with a girls name of kirstie lol.
could be a he she but im sure she is all female.

Just a tale of caution for those wanting their family to start Horse riding.

A friend of mine has just had an operation on her Pelvis after in was broken twice by the Horse she was riding got startled over something, reared up and fell back on top of her. Was told by the Doctor that if the Horse had been any bigger, or it had landed on her chest, she wouldn't be here now.

This is a girl who's been Horse riding and jumping for years. Was a newish Horse bought for her Daughter. Just thank god her Daughter wasn't on it at the time.

I have offered to shoot the Horse for them, but so far they've declined my offer.

Horses are by far the dumbest animals on the planet. Why anyone wants to sit on the back of them is beyond me. I grew up in a village that had a show jumping stable. I've seen 3 Horses get knocked down by cars when the escaped (after being spooked).

I have no problem with horses as long as they stay in the field - no place for them on the road.......

Not the brightest spark ay? :wonder: Because i own a Scooby i must be a fella? lol

Shaun

I'd recommend signing her up for British Horse Society membership.

Gold Junior costs only £46 a year and for that you get:

Gold Membership Benefits

The following Gold Membership benefits are included in the following types of Membership: Gold, Junior Gold, Family Gold or Life Membership.

Personal Liability Insurance up to £10 million for all the horses you own, look after and ride, regardless of age. (Terms, conditions and territorial limits apply – key facts of the policy details)

Personal Accident insurance up to £15,000. (Terms, conditions and territorial limits apply – key facts of the policy details)

British Horse magazine – exclusive to BHS members, sent six times a year keeping you up to date on the work of the charity

BHS Handbook which is packed full of useful equine information

Welcome pack with badge and car sticker

Special offers throughout the year, including free tickets to the Royal International Horse Show at Hickstead

Helplines – Access to a free legal helpline as well as tax and VAT helpline (calls can be non-equine related)

Entitlement to take BHS qualifications

Equestrian careers advice

Free expert advice and guidance on a wide range of equestrian matters

Entitlement to compete and qualify for BHS Cross-Country and BHS TREC competitions

https://www.bhs.org.uk/Join_Or_Suppo..._Benefits.aspx

So not only do you get the necessary insurance, she'd get a lot of extras which I'm sure she'd appreciate if she's keen to start.

As for the risk element of riding, yes it carries a risk, but horses are not quite the dumbest anumals on the planet. the right horse will be bombproof, and most accidents are due to riders over estimating their ability, not knowing or having the wrong horse for their ability and circumstances, or just being stupid.

We've got an arab/cobb cross, who shares a field with a pure arab, a pure cobb and and two shetlands. we also spend a lot of time with highlands. Their characters and propensity to spook differs massively from the arab who can be all over the place to the cobb who is bombproof. All horses are different, but at the end of the day are prey animals and will react accordingly.

Just like biking, make sure your daughter has the best hat you can afford, good sturdy boots (don't have to be fancy, just something that can be stood on by a horse - wellies are no use), and a decent back and chest protector.

And lastly, make sure she is respectful of the fact that at the end of the day, a horse is a living breathing thing, and not a machine with an off switch.

Thanks for all the info......probably go with the British Horse Society :)

We have bought Charles Owen hat, boots and what looks like body armour / stab vest thingy plus half chaps and other bits LOL.

I suppose it keeps her away from drugs and boys driving Saxo's too fast round Maccy D's...

Shaun

Well, it will keep her away from boys driving Saxos lol....

+ 1

Invest in a body protector, and decent hat! My hat saved my life a few years back, if i'd had a body protector on i wouldnt have a broken spine now :(

See post 13.....we have bought a good hat (well it cost enough) and a body protector, sorry to hear about your spine :(

Shaun

Sorry really should read the thread! But nice one :thumb:

Just started to teach my daughter to ride, she loves it :)

1. horses belong in a field eating grass or on a track being bet on, they should never be on the road.

2. Almost no horsey women are fit, despite the jodpurs, boots combo offering good potential for perving.

Thanks for that! lol

As Prof. Andrew Nutt would say, horse-riding is more dangerous than taking E's.

:lol1::lol1: My daughter would disagree as she is lovely, but I am biased
Same goes for horsey men though, they are usually ghey (sorry DD, you know I luvs you really) :D

If she is old enough then post a picture of her in johdpurs black boots and with a whip in her hand and scoobynet can be the judge. ;)

:lol:

:lol1::lol1: She'll kill me for this. Oh, note, she does not have the big bum and huge thighs associated with lady horse riders. Sorry, but quite a few do have them :D


http://i3.photobucket.com/albums/y96...0/P1080621.jpg

I think he was just jealous really!

Les ;)

You can never tell with some of those riders you know. Doesn't Cameron do a bit of that? I wouldn't trust him!

Seriously I think you are very wise to go with the insurance. Horses sometimes have a mind of their own when it comes to walking into things!

Les

Wrong, big style..

She does have surprisingly tidy thighs and bum for a horsey type so she can be offically exempted but in general the rule stands.

:D:thumb:
Judging by some of the clips that are on my daughters livery yard, you could well be right :D