Members' Personal Liability Insurance
All BC Members
in the Full, International and Associate categories are automatically insured for personal liability in respect of their personal equestrian related
activities, provided that they are normally resident in the United Kingdom or
Who is insured?
As an individual BC member in the International, Full or
Associate membership categories, you are automatically
insured for personal liability in respect of your own personal equestrian related activities,
provided that you are normally domiciled in the United Kingdom or Irish Republic. Business
activities need separate insurance. Young persons (aged 8 years or over) who are not Members are
covered whilst attending BC Junior Clinics, Summer Camps and Junior Championships only.
The policy also covers another person who is riding or driving your horse with your permission, provided
they have no other insurance. If your horse is kept at livery or is loaned to someone else and used
for non-business purposes you are still covered.
If a parent or guardian of a Member is sued as a result of an action by their child, the policy provides
cover for the parent or guardian.
What is covered?
If an incident occurs which involves bodily injury to another person (called the third party) or loss of
or damage to their property, the aggrieved person may well decide to claim against you for damages.
Providing they can prove that you were legally liable (which generally involves you having been
negligent) then the policy will pay for such damages as have been awarded by a Court of Law - in
practice the majority of cases are settled ďout of courtĒ.
The policy will pay damages up to £30,000,000 for any one claim and the number of claims is unlimited.
It also pays all costs incurred with the consent of Underwriters in defending the claim.
If it is decided that you are not liable at law (even if you feel a moral responsibility) then the third
party is not entitled to receive any damages, however your legal costs are still paid by the policy.
It should be stressed that many Members will have other insurances such as a household or livestock
policy which will also cover personal liability. If that is the case, the other Insurers will be
asked to settle or contribute towards the claim, which helps keep down the cost of the BC policy -
please co-operate with Howden UK Group Limited in providing details of your other policies.
The BC policy covers incidents in connection with the use/ownership of a horse or pony worldwide and
includes the liability of one Member subscriber to another.
All insurance policies contain exclusions (circumstances in which you will not be covered); the main ones on this policy
- Claims against you by members of your family or anyone in your employ.
- Property in your care,
custody or control (e.g. if you have a horse on loan and the horse is injured, the resultant costs are not insured).
- Any business or profession (the policy does not exclude instruction if no payment is received other than expenses).
- Horse racing, point to point racing or steeplechasing.
- The use of a horse or horse-drawn vehicle for hire or reward.
- The first £500 of each and every claim for loss of or damage to property.
The insurance is subject to the full terms, exceptions and conditions of the policy - a full
policy summary is available on request from British Carriagedriving.