I'm currently having a bit of a struggle which rider insurance. I'm currently with BHS under the Gold Family as I would never go out onto the road without having insurance these days, the roads are so bad. Legacy has her moment's on the road but it's not her I don't trust it's the drivers, we get a lot of tourists around our area in the summer and they just see a horse on the road as something in the way. They will beep the horn and rev the engine until your out of their way. The road which we hack on is also a 60mph road which some people do try to reach. Personally I wouldn't do above 30mph on that road even without horses on it. So with Legacy only going out onto the road once in a blue moon I don't know to change over to the Harry Hall One Club and get more of a personal benefit out of it.
- Individual or family membership
- £40 per year or £3.33 a month for individual membership
- £95 per year or £7.91 a month for family membership
- Individual covers yourself and up to 2 horses
- Family covers yourself and up to 4 members and up to 3 horses
What's Included:
- Public liability limit of £10m
- Personal Accident Insurance of £10,000
- Third party excess of £250 on each claim
- 30% off brands such as Harry Hall, Masta, Tottie, Caldene, Protechmasta, Cottage Craft & Woofmasta
- Free delivery on all shopping for all year
- One member each month wins their money back from a shop
- UK customer service
- Exclusive sales throughout the year
Your covered for:
- Your horse damaging a vehicle
- Someone else injuring themselves while on your horse
- Your horse injuring another horse or rider
- Your horse causing an accident after escaping from home
- Recreational riding, hunting, driving, local gymkhanas, unaffiliated dressage & unaffiliated Jumping
- Riding other peoples horses
4 types of memberships
Helping Horses - £27 Per Year
- Where all the money donated each month goes solely to the charity
-You get a member card
- BHS magazine
- Rosette
- Regular news through BHS
- A helping booklet
Gold - £69 Per Year For Yourself, £117 Per year for yourself & a family member
- Public Liability up to £30m
- Personal accident up to £10,000
-Expert horse and legal advice
- Access to education & qualifications specific to the BHS
- You get a welcome pack
- BHS magazine
- Join the equestrian community
- Family and Student options available
Gold Junior, £52 Per year, under 21s
- Same as gold membership
- Free & Discounted tickets to shows plus 2 free tickets to BHS international horse show
-Access to BHS equine Excellence Pathway
BHS friend £152 Per Year, individual membership
- Same benefits and the gold
- Helps contribute more towards the charity
- No Family or student cover
And then of course there is the great work that the BHS charity does with horses and riders.
After doing this blog post I am more swaying to changing my membership with BHS to One Club. The only thing that's bothering me is the £30m public liability with BHS and £10m public liability with One Club. Would a case typically go that high in fee's?
Who are you all with?
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