Horse Rider Policy Information
| Junior (5–17 Years) | Adult (18–65 Years) | Adult Plus (18–65 Years) | ||||
|---|---|---|---|---|---|---|
| Monthly1 | Yearly | Monthly1 | Yearly | Monthly1 | Yearly | |
|
Public Liability
Legal liability to a third party for the damages and costs arising from your use of a horse. |
£1.25m | £1m | £1.25m | £1m | £2.75m | £2.5m |
|
Dental Treatment
Treatment for you following a riding accident. |
£1,750 | £1,500 | £1,750 | £1,500 | £2,000 | £1,750 |
|
Death of Rider
Accidental death of rider. |
£7,500 | £5,000 | £12,500 | £10,000 | £22,500 | £20,000 |
|
Personal Accident
Accidental injury whilst riding causing (a) total loss of sight, (b) loss of two or more limbs or (c) deafness in both ears. |
£12,500 | £10,000 | £12,500 | £10,000 | £22,500 | £20,000 |
|
Saddlery and Tack
Fire, accidental damage or theft following forcible or violent entry to a locked private building. Single item limit £500. |
£1,250 | £1,000 | £1,750 | £1,500 | £2,000 | £1,750 |
|
Permanent Total Disablement
Cover after a riding accident if no claims are made under the personal accident section. |
£12,500 | £10,000 | £12,500 | £10,000 | £22,500 | £20,000 |
|
School Fees
Cost of fees for missed private schooling as a result of a riding accident. |
£3,000 | £2,750 | – | – | – | – |
|
Vet's Fees
If you have an accident while riding and you need a vet in emergency. |
£1,000 | £750 | £1,250 | £1,000 | £1,750 | £1,500 |
|
Custodial Liability *
If the horse you are using is destroyed for humane reasons following an accident in which you are legally liable. |
£1,500 | £1,250 | £2,500 | £2,250 | £3,500 | £3,250 |
* Market Value up to
Excess
The excess is the amount you pay towards a claim. It is £60 on Custodial Liability section, £109 for Vet's Fees and Saddlery & Tack sections and £160 for Public Liability section. There is no excess on the other sections of cover.
1. Lunar monthly policy (more information)