What is Public Liability?

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• What is the difference between Gold and Bronze One Club Membership?

  The Gold One Club Membership* provides up to £10 million Public Liability and  up to £10,000 Personal Accident in addition to up to 30% savings, exclusive offers, free returns and free shipping - you can even get cover for affiliated riding with Gold ...

• Can I cancel my Gold One Club Membership and move to Bronze One Club Membership?

  The Gold Memberships are agreements for 12 months, after which you can amend your agreed Gold Membership to the Bronze Membership. Please contact the customer service team to do this prior to your renewal date on 01274 711101.

• 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.

• 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.

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

  The Public Liability cover under this policy has a condition that if there is any other valid insurance which covers the member then this policy will only cover claim amounts in excess of the other insurers’ policy limits. For example, a claim is ...