Insuring Yourself – What does Rider Insurance Cover?
Rider Insurance is a term used for both Personal Accident Insurance and Public Liability Insurance for people who ride or handle horses.
These types of insurance cover different risks as follows;
Personal Accident Insurance covers you for injuries you sustain while riding and handling horses, these types of policies can extend to include cover even when you are not around horses.
Personal or Public Liability Insurance protects you against claims made by third parties for property damage or bodily injury, caused by your horse. For example, if you were out hacking and your horse kicked a car.
Personal Accident Insurance
When looking for Personal Accident Insurance it is important to understand what you are looking to protect yourself against and to make sure that the cover you buy suits your needs. KBIS have two main options for Personal Accident cover. If you have a horse policy with us we can include basic Personal Accident cover for death, permanent disablement and dental work following injury caused by your horse. This cover would cost from £14* per year and would include anyone who was riding or handling your horse with your permission, (excluding Professionals.)
Our second option is a more comprehensive stand-alone policy, which would cover you 24hrs a day wherever you are in the world. It is not restricted to horse activities, for example, it would still apply to injuries sustained from a car accident or a slip on an icy pavement. The policy benefits are as follows;
- Accidental Death
- Loss of an eye or limb
- Permanent Total Disablement
- Temporary Total Disablement due to accident or sickness
- Dental work not available on the NHS