Insurance for riders of horses owned by third parties
Why is insurance advisable for riders of horses owned by third parties?
Riding is a high-risk sport, as horses can be unpredictable and easily scared. There are several thousand riding accidents every year. And it may not just be you, the rider, who is injured. Other people, animals or objects can be injured or damaged, or the borrowed horse may suffer injuries. Private liability supplementary insurance for people renting, borrowing or learning to ride horses owned by third parties ensures that you as a rider do not have to pay the costs of the latter.
For whom is this insurance suitable?
This supplementary insurance is suitable for anyone who rides a horse that is not owned by them, whether learning to ride, sharing a horse, or looking after a horse on a temporary basis. Horses that are borrowed, rented, kept temporarily or ridden on behalf of someone else are classed as being owned by a third party.
No small print: When does our insurance pay up and when does it not?
… the veterinary costs.
… the compensation to the owner if the horse should die or lose value.
… the costs of damaged riding and driving equipment.
… the compensation for proven loss of earnings on the part of the horse’s owner.
… the borrowed horse gets an injury while taking part in horse racing, steeplechase competitions and driving competitions.
… the horse is in your care for more than four months.
