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.

Company membership and Affiliated Club membership applies only to one nominated person. Business activities need separate insurance.

The policy also covers another person who is riding or driving the insured's horse with permission, provided they have no other insurance. If the horse is kept at livery or is loaned to someone else and used for non-business purposes the insured is still covered. If a parent or guardian is sued as a result of an action by their child, the policy provides cover for the parent or guardian.

If legal liability is proved, 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. The BC policy covers incidents in connection with the use/ownership of a horse or pony worldwide and includes the liability of one Member/Marathon Groom subscriber to another.

It should be stressed that many Members/Marathon Groom Subscribers 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.


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 employment.
  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.


The cover afforded under the Master Policy is for individual BC Members and Marathon Groom Subscribers resident world-wide. Company membership and Club Affiliation applies only to one nominated person.

The insurance is only in operation whilst the Insured Person is engaged in any horse related activities (excluding racing, point-to-point and driving motor cycles of any type). Cover includes the care and handling of horses and driving of horse drawn vehicles.

Cover at an Organised Equestrian Event is limited to horse-related injury but extended to include travelling thereto or therefrom (although the benefits whilst travelling are restricted to Scale A). The term 'Organised Equestrian Event' includes organised practice or training sessions. The insurance is effective world-wide.

Scale of Benefits
A Horse related accidents other than whilst attending an event or official practice/training session organised by or affiliated to BC, BHS, BSJA, Pony Club, BHS Riding Clubs, BE, BD, EGB, BEV or FEI
B Horse related accidents whilst attending an Event or official practice/training session organised by or affiliated to BC, BHS, BSJA, Pony Club, BHS Riding Clubs, BE, BD, EGB, BEV or FEI.
1. Accidental Death 5,000 10,000
2. Total and irrecoverable loss of sight of both eyes 5,000 10,000
3. Total and irrecoverable loss of sight of one eye 2,500 5,000
4. Loss of two limbs 5,000 10,000
5. Loss of one limb 2,500 5,000
6. Total and irrecoverable loss of sight of one eye and loss of one limb 5,000 10,000
7. Permanent total disablement (other than total loss of sight of one or both eyes or loss of limb/s) 5,000 10,000

The Master Policy is also subject to certain Extensions, Exclusions and Conditions, some of which are shown hereunder:

(a) The insurance excludes any claim arising from or aggravated by a previous disability of the Insured Person.
(b) Insured Persons under 16 years of age are limited to 5,000 in the event of death.

The above covers are subject to the full Terms, Exceptions and Conditions of the policies, copies available on request.

NOTE: A Member's or Marathon Groom's insurance cover runs concurrently with the subscription. The termination of membership of British Carriagedriving from any cause will similarly terminate cover under the above insurance from the same date.

The insurance details are correct at time of going to press.

Club's Indemnity policy summary and proposal forms - CLICK HERE to download