How does Bronze Membership differ from Gold Membership?

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 Plus Membership.

The Bronze One Club Membership provides  up to 30% savings online, exclusive offers, free delivery over £50 spend and free returns via harryhall.com only, with the exclusion of the insurance elements.