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Post by silvester on Jul 2, 2015 10:16:58 GMT
Can anyone advise me if this potential claim is something my BHS gold membership insurance would cover?
My horse was travelling in a friends lorry and kicked the internal wall badly damaging it and 2 partitions. I need to get it fixed and the lorry insurance is querying it as it's not a traffic accident. My horse isn't insured under his own policy. I have BHS membership insurance and wondered if this counted as a public liability type claim?
Thanks
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Post by sjw87 on Jul 2, 2015 15:14:00 GMT
Call the bhs legal advice line and see what they say
Sent from my GT-I9195 using proboards
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Post by kateanne0 on Jul 2, 2015 20:08:39 GMT
The Gold Membership carries 3rd party and public liability cover. I would do as sjw87 says and phone them to see what they say.
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Post by judyh on Jul 2, 2015 20:11:32 GMT
Please let us know the answer. I have Gold Membership so interested to know what they cover as third party.
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Post by kateanne0 on Jul 2, 2015 20:18:01 GMT
The Gold Membership carries 3rd party and public liability cover. www.bhs.org.uk/membership/insurance-faqsWhat insurance do I get as a BHS Gold Member?Public Liability Insurance and Personal Accident benefits. 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. If I need to claim on the insurance, what should I do?Public Liability claims should be reported to the Insurer’s helpline: 0845 6008368 Personal Accident claims should be reported to the Insurer’s helpline: 0845 838 4713 Is there an excess charge on the insurance policy, should I need to make a claim?Yes, the policy is subject to a £250 Third Party Property Damage Excess. Hope the above helps, I've never had to claim, so please keep us posted as to how you get on with the claim
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Post by dancer on Jul 2, 2015 21:07:47 GMT
Check you don't have PL cover from any other policy, including your house insurance - if you do the BHS will expect you to claim off that one.
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justliloldme
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Post by justliloldme on Jul 4, 2015 21:49:46 GMT
If travelling in a freinds lorry possibly not insured for that unless a licenced transporter, just a thought
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