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Insurance Information

Accidents are never pleasant, but they are a fact of life for all of us. Even if we take every possible precaution, we can’t prevent the unexpected happening, so insurance is important to protect ourselves.

  • Last reviewed: 5th January 2024
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Anyone who owns, rides or looks after a horse is strongly advised to carry public liability insurance cover, because they may be legally liable to pay compensation for any damage or injury caused by their horse. Personal injury compensation claims can sometimes run into the millions, meaning that anyone who is uninsured risks losing their home and any other assets.

Find out more about why all equestrians should have public liability insurance.

Horse riding public liability insurance

Up to £30 million*

BHS public liability insurance provides cover for any third-party injury or property damage that arises out of your legal liability or negligence as an owner, rider or keeper of horses for recreational purposes. Professional equestrian activities and some high-risk recreational activities are not covered, and you can find further details in the policy documents below.

Personal accident insurance

Up to £10,000*

BHS Gold membership cover provides Personal Accident cover for the member for accidental death, loss of limb or sight and permanent total disablement only. You can find further details in the policy documents below.

All these documents should be read in conjunction with each other. Please contact the BHS membership team if you have any further queries.

If you joined or renewed your membership in 2023 please find your insurance information below. 

*Terms, conditions and territorial limits apply

Become a BHS member

Every year with the support of our members and volunteers we help protect, improve and build a better future for horses and those who care for them. BHS Gold Members are covered by public liability insurance  and personal accident insurance. As a BHS member you'll have access to a huge range of benefits to help you enjoy your life with horses.

Get in touch with us

To speak to our team about membership, please call us on 02476 840506, email us at or complete our online enquiry form and one of our team will get back to you shortly. Opening times are 8:35am-5pm from Monday to Thursday and 8:35am-3pm on Friday.

Submit an enquiry
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The British Horse Society is an Appointed Representative of SEIB Insurance Brokers Ltd, who are authorised and regulated by the Financial Conduct Authority.