Horse Rider Insurance
- Why take out Rider Only Insurance?
- I have an existing medical condition. Will this affect my ability to claim?
- How do I need to protect my saddlery and tack?
- What do the vet's fees cover me for?
- What does personal accident mean?
- I am under 18 years old. Can I take out the junior policy?
- What is an excess?
- What am I insured for?
- Within what period must I claim?
- What is a third party?
- What should I do if anything happens that could result in a third party claim against me?
- Why take out Rider Only Insurance?
- Rider Only Insurance is for those who may not own a horse or pony but still enjoy riding and desire the peace of mind available with this fully comprehensive cover.
- I have an existing medical condition. Will this affect my ability to claim?
- You are obliged to advise the insurance company of any physical or mental conditions that you have which might affect your policy at inception or when diagnosed if a policy is already in existence. The insurer will advise you at the time you take out your policy how your condition might affect a claim.
- How do I need to protect my saddlery and tack?
- When not in use, saddlery and tack must be kept in a locked building that is totally enclosed and secure. It must be a permanent substantial structure of brick, stone or timber with doors secured by 5-lever mortise deadlocks and windows secured by patent window locks. Your saddlery and tack can be stored either at your home address or at the stables, as long as the room has the correct security.
- What do the vet's fees cover me for?
- The vet's fees cover you if you have an accident while riding and your horse needs emergency veterinary treatment. It does not cover subsequent visits for treatment.
- What does personal accident mean?
- Personal accident cover is for accidental injury whilst riding which causes either total loss of sight, loss of two or more limbs, or deafness in both ears.
Personal accident covers you if you have an accidental bodily injury during the period of insurance while either riding (including getting on and off) or in control of any horse; driving (including getting in and out of) any horse-drawn vehicle; or riding as a passenger (including getting in and out of) any horse-drawn vehicle.
- 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.
- What is an excess?
- An excess is the first part of a claim that you pay yourself.
- What am I insured for?
- This will depend on the benefits you choose when you take out your insurance cover. These will be detailed in your insurance documents. The documents should be read in conjunction with your policy terms and conditions to give you the full details.
- Within what period must I claim?
- We ask for claim forms to be returned to us within 90 days of the incident occurring.
- What is a third party?
- The first party is the policyholder, the second party is the insurance company and the third party is anyone else who has been injured or whose property has been damaged as a result of the acts or omissions of the insured.
- 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, send them any writ, summons or legal documents you receive and allow them to act and reply on your behalf.