British Carriagedriving
Members' Insurance Cover

There are two separate types of insurance cover available for BC members.

Personal Liability insurance is included with membership of the International, Full and Associate categories. It gives you 365 days/year cover for yourself, plus any liabilities incurred by any grooms/backsteppers at events.

Personal Accident insurance is available as a separate opt-in scheme, which any member can join.

Both insurance options are explained below:

British Carriagedriving
Members' Personal Liability Insurance

All BC Members and Marathon Groom subscribers are automatically insured for personal liability in respect of their personal equestrian related activities, provided that they are normally domiciled in the United Kingdom or Irish Republic.

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 or Marathon Groom subscriber to another.

Exclusions

All insurance policies contain exclusions (circumstances in which you will not be covered); the main ones on this policy are:

1.    Claims against you by members of your family or anyone in your employ.

2.    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).

3.    Any business or profession (the policy does not exclude instruction if no payment is received other than expenses).

4.    Horse racing, point to point racing or steeplechasing.

5.    The use of a horse or horse-drawn vehicle for hire or reward.

6.    The first £500 of each and every claim for loss of or damage to property.

7.    Marathon groom subscribers are not covered whilst engaged in competition driving.

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.

British Carriagedriving
Members' Personal Accident Insurance

Following a recent review of our membership structure and insurance arrangements, British Carriagedriving are pleased to be able to tell you that a new memberís personal accident insurance scheme is now up and running.

The existing group policy will remain in place until the end of this year. Full, associate, young driver and marathon groom members will, therefore, still have the existing cover until membership renewals at the end of this year.

A summary of that cover is on pages 93 and 94 of the 2017 BC Yearbook (also see below). There are some minor changes to the wording, as the policy has been moved to Amtrust, and further information is available on request.

The new scheme is active now, and will run alongside the existing cover for the rest of this year.

As from 1st January, the existing group cover will lapse and members wanting personal accident insurance will have to join the new scheme.

The new scheme offers more extensive benefits, but on an opt-in basis. Members who want the new cover will, therefore, need to purchase this cover individually.

A new, dedicated website has been set up specifically to enable you join the scheme.

British Carriagedriving urge you all to look at the cover available and give serious consideration purchasing this extended cover.

Please go to: https://britishcarriagedriving.kbispartnership.co.uk

Please note, if you havenít visited this site before, you will need to register and set up an account before you can retrieve a quotation.