I have 2 Public Liability policies covering my horse, can I claim under both?

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• Are my friends covered to ride my horse with my Gold Membership?

  The Public Liability policy does not extend to cover any third parties using your horse; therefore, you should make sure they have adequate Public Liability in place.

• What is Public Liability?

  Public Liability covers claims brought against you by a Third Party following property damage or bodily injury for which you are legally liable.

• Am I covered to ride someone else’s horse with Gold Membership?

  Yes, you would be covered if you use another person’s horse with permission, however should you be hiring a horse from a business then they should be covering this under their own policy arrangements.

• Does my Gold Membership policy have an excess?

  Yes, there is a policy excess under the Public Liability cover of £250 for each and every Third-Party Property Damage Claims.

• Where am I covered to ride with Gold Membership?

  The Public Liability policy covers you in the Territorial Limits: United Kingdom and Isle of Man including up to a maximum of 14 days in all elsewhere in the world during the Period of Insurance. However, the Personal Accident cover is just valid ...