Post by BettyBo on Sept 4, 2014 20:06:21 GMT
Omg I'm so confused I have BHS Gold insurance .... I have read there terms & conditions however I'm slightly (very) confused I am moving to a rented field with stables the land owner has asked if I have public liability insurance Which I thought I had with the BHS, but reading the FAQ it states
what does the public liability insurance cover me for?
The Public Liability Insurance provides cover for any third party injury or property damage that arises out of your legal liability/negligence as a BHS member. This is in respect of riding/handling of horses and must be for recreational purposes only.
Then further down it says this
what insurance cover should I have as the owner of the horse?
It is advisable that as the owner of a horse you take out Public Liability Insurance, even though the horse is not at your premises or in your control. As the passport holder you may be found to be legally liable for any injury or damage that the horse may cause.
Please note that it is the responsibility of the owner to stipulate what his/her expectations are from the person who is loaning the horse from them and for this to be identified within the loan agreement. None of the insurance covers are compulsory (i.e. Public Liability, PA, Vet fees) – however, the Public Liability is key in protecting the owner from potential legal liability attaching to them when they are not even in control of the horse.
So if my horses escapes from the field and decides to play with the neighbours cars am I covered or is it just when I'm riding him ?
I'm not a business it's just for pleasure sooooo would we be covered ?
what does the public liability insurance cover me for?
The Public Liability Insurance provides cover for any third party injury or property damage that arises out of your legal liability/negligence as a BHS member. This is in respect of riding/handling of horses and must be for recreational purposes only.
Then further down it says this
what insurance cover should I have as the owner of the horse?
It is advisable that as the owner of a horse you take out Public Liability Insurance, even though the horse is not at your premises or in your control. As the passport holder you may be found to be legally liable for any injury or damage that the horse may cause.
Please note that it is the responsibility of the owner to stipulate what his/her expectations are from the person who is loaning the horse from them and for this to be identified within the loan agreement. None of the insurance covers are compulsory (i.e. Public Liability, PA, Vet fees) – however, the Public Liability is key in protecting the owner from potential legal liability attaching to them when they are not even in control of the horse.
So if my horses escapes from the field and decides to play with the neighbours cars am I covered or is it just when I'm riding him ?
I'm not a business it's just for pleasure sooooo would we be covered ?