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Your Insurance Frequently Asked Question's

  • Last reviewed: 21st July 2022
HORSES AT Sunrise 5233 HORSES AT Sunrise 5233

What…?

What are the insurance exclusions?

Details of the exclusions can be found in the insurance policy documents.

What is the excess charge, should I need to make a claim?

The insurance excess is £250 in respect of each and every third-party property damage claim. There is no excess payable on third-party bodily injury claims.

What is a policy of last resort?

If a BHS member has other insurance cover in force, such as a household policy, any claim will be directed to this policy first. The public liability insurance provided under the BHS gold membership would act as ‘last resort’ when there is no other policy to claim against, or the cover limit of the other policy has been exceeded. This condition is common with group policies such as the BHS gold membership cover.

How do I…?

How do I claim on the insurance?

Public liability claims should be reported to SEIB Insurance Brokers Ltd’ helpline: 0345 8734907.

Personal Accident claims should be reported to SEIB Insurance Brokers Ltd’ helpline: 0330 6600723.

How do I cancel my insurance?

The insurance cover included within BHS Gold membership is a group policy, and as such there is no way to cancel the insurance aspect only should you decide that you no longer require the cover. BHS members who don’t require public liability insurance any longer can opt for Silver membership, which does not include insurance, and continue to support the Society’s charitable work in welfare, education, safety and access.

How do I know when my insurance cover starts?

Your BHS membership begins when payment confirmation is received via email if you have joined online, or verbally confirmed by the BHS membership team if you’ve joining over the phone. If you have sent in a cheque or direct debit form, you’re insured from the day your cheque or form is received by the BHS membership team.

How do I find my insurance information? 
How do I find out who provides my insurance?

Our insurance is provided by SEIB Insurance Brokers Ltd, who can provide details of the underwriter on request. 

How do I get an insurance quote for additional cover – veterinary fees, for instance?

The BHS is the UK’s largest equestrian charity, supported by over 115,000 members. SEIB Insurance Brokers Ltd provide competitive quotes while also making a contribution to the BHS for every policy taken out by a BHS member – call for a quote on 01708 850000.

Is this the cover I need…?

Is this the cover I need as the owner of a horse going out on loan?

It is advisable that as the owner of a loaned horse, you take out public liability insurance, even though the horse is not at your premises or in your control. As the passport holder you may be found to be legally liable for any injury or damage that the horse may cause.

The owner should stipulate what their expectations are from the person who is loaning the horse from them and identify these expectations (i.e. public liability, personal accident, vet fees) - within the loan agreement. Insurance cover for horse owners is not compulsory, but public liability cover is key to protecting the owner from potential legal liability attaching to them, even when they are not in control of the horse.

Is this the cover I need for loaning a horse?

We recommend that both the person taking the horse on loan and the loanee should have public liability cover. 

Is this the cover I need for riding other people’s horses?

BHS Gold membership covers you for any horse that you own or have permission to ride, as long as it’s purely for recreational purposes.  

Is this the cover I need if I own more than one horse?

BHS Gold membership covers you for any horse that you own or have permission to ride, as long as it’s purely for recreational purposes.  

Is this the cover I need as a member of an Affiliated British Riding Club?

Members of an Affiliated British Riding Club (BRC) are only covered by their club’s public liability insurance while they are competing at a Riding Club event. 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.

BHS Gold membership includes up to £30 million of public liability insurance 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.

BHS Gold membership provides up to £10,000 personal accident cover for the member for accidental death, loss of limb or sight and permanent total disablement only. The personal accident benefits are doubled if the accident occurs at an Affiliated British Riding Club, BHS, BSJA, Pony Club, BE, BHDTA, BD, Endurance GB, BEV or FEI event.

Am I covered for…?

Am I covered for endurance riding?

The policy excludes endurance competitions, whereby a speed or time stipulation is in place, regardless of whether the purpose is to compete against other participants or not. However, long-distance rides, with no speed or time requirements, are covered under the policy. 

Am I covered for riding for business purposes?

No. The BHS Gold membership insurance policies cover purely recreational use only and exclude situations where a rider is being paid to compete or exercise the horse, for example. 

Am I covered for loss of earnings?

The personal accident cover provided under the BHS Gold membership covers death, loss of sight or limb and permanent total disablement only. It does not cover loss of earnings. 

Am I covered for riding at a Riding School?

Riding Schools are legally obliged to have Public Liability cover for their business activities. However, in the unlikely event that you as the gold member of the BHS are found personally liable for an incident the policy would operate as a last resort, subject to the terms and conditions of the policy. 

Am I covered for other members of my family riding and handling my horse?

If other members of your family are riding on a regular basis, the BHS family Gold membership offers the most appropriate insurance cover. 

Am I covered for riding while I’m on holiday?

The BHS Gold membership provides public liability insurance cover for recreational riding anywhere in the world up to a maximum of 90 days per year, excluding the USA and Canada. This will not provide cover in connection with any work that the insured may undertake. This is subject to the member being normally domiciled in the United Kingdom, the Isle of Man, and Channel Islands.

The personal accident cover does not include any medical costs or repatriation therefore members are advised to take out appropriate travel insurance for all their riding activities.

Become a BHS member

You can help us continue our vital work to build a better life for horses, riders and all who care for them by becoming a BHS member. We offer a range of different membership options that include a variety of amazing membership benefits to help you enjoy your life with horses.

Join us today
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Get in touch with us

To speak to our team about membership, please call us on 02476 840506, email us at membership@bhs.org.uk 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.

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