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Riding Club Insurance - Cover Available

Riding Club Insurance - Cover Available

 Property Insurance

You can include cover for property owend by the branch or club as well as including items which are temporarily on hire such as PA systems. 

For property owned, such as trailers, showjumps, trophies, and dressage boards, cover is included for physical loss or damage, including if it is on hire or being lent out to a third party.

Equipment should be insured for its current market value taking into account depreciation as in the event of a claim you will be reimbursed the cost of a new replacement less a deduction for wear, tear and depreciation.

For hired in equipment cover is for ‘replacement as new’ and so the sum you insure for should be for the full new replacement cost. Cover is on a temporary basis, up to 30 days per year.

 Damage to Vehicles at Events

Cover is provided for any external physical damage to a vehicle that was caused directly or indirectly by a horse or pony. The policy includes vehicles that belong to committee members, accredited officials or trainers, for incidents that have occurred at an official club event/activity.

 Personal Accident Insurance 

Members personal accident insurance includes cover for club members whilst attending an official riding club activity, whether that is at a club show or training/clinics.

We offer three levels of cover to choose from, scale A to scale C, two of which include cover for temporary total disablement (TTD). TTD pays a weekly benefit should the member suffer and injury which leaves them temporarily unable to carry out their normal occupation.

The benefits of each of the cover options are outlined in the table below:

 Scale AScale BScale C
Accidental Death£5,000£10,000£25,000
(under the age of 16 years)£5,000£5,000£5,000
Total loss of sight of both eyes£5,000£10,000£25,000
Total loss of sight of one eye£2,500£5,000£12,500
Loss of two limbs£5,000£10,000£25,000
Loss of one limb£2,500£5,000£12,500
Total loss of sight of one eye and loss of one limb£5,000£10,000£25,000
Permanent Total Disablement£5,000£10,000£25,000
Temporary Total Disablement (per week)£50£100Not covered


Cover can also be included for instructors, officials and volunteers when they are officiating, stewarding or instructing at an official club event. The same benefit scale is offered.

 Public Liability 

Public liability insurance provides cover against bodily injury to third parties or damage to third parties property. Cover is automatically included for the following:

Personal Liability for members when at club events Member to Member Liability, injury to members or their horses caused by another member whilst at a club event. All social and fund raising activities carried out by the club Products Liability, caused from products sold or supplied at club events, including food and drink

There are three levels of cover (limits of indemnity) to chose from - £1 million, £2 million or £5 million.

 Employers Liability 

Employers Liability insurance provides cover against bodily injury to anyone employed by the club, whether full time, part time or paid in kind in respect of any bodily injury sustained by them as a result of the clubs negligence. Cover is included up to £10 million

If you wish to take out employers liability then it must be taken out in conjunction with public liability.

Ensure your clubs property is protected against loss or damage, cover can be included for both hired and owned equipment.