Horse rider liability insurance

Horse rider liability insurance exists to protect you financially should an unforeseeable incident occur. You'll take care when out on your horse to ensure that accidents don't happen and that people or property doesn't get damaged as a result. The unexpected can always happen, however, and should a member of the public sustain injury in connection with your horse a liability claim could be made against you. The ensuing legal costs could be high, so to make sure you don't have to cover them yourself, take out horse rider liability insurance through our site to protect you if an accident occurs.

Public liability insurance cover comes as standard with all the equine insurance policies you'll find through our site. What's more, you can purchase this type of cover up to the value of £2m with our horse insurance. That might sound like a lot of money – but litigation costs can be enormous and the compensation demanded by a plaintiff could also be substantial. So for the cost of a competitively priced premium you'll be able to ensure that, should an unfortunate incident result in harm to a third party or their property, you won't have to pick up the resulting legal fees or pay compensation out of your own pocket. If a third party's property is damaged in connection with you and your horse, it's worth bearing in mind that an excess will apply: depending on the particular insurance package you purchase you'll be required to pay either £100 or £250. It's a small price to pay for complete peace of mind. You should also take note of the fact that with Towergate public liability cover does not apply if your horse is being used by a riding establishment. What's more, you'll be offered up to £50000 per incident for irrecoverable legal costs should your horse be involved in a collision with a third party's motor vehicle.

Although not compulsory, public liability insurance is an extremely good idea and we strongly recommend you build it into your horse insurance policies. You'll also have the option to include personal accident cover should you suffer harm in an accident, and loss of use cover (to 60% or 100%) if your horse is incapacitated by an unfortunate incident.