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. 

One Club

- 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

BHS

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?

Best Black Friday Offers I've Seen...

As I've seen some great black Friday deals over the weekend and they've come to my email inbox in a great amount, I've decided to put a blog post together some of the best deals on sites I've found. 

Ever been on the Harry Hall website and seen something you wanted then seen the discounted price if you're a member and have insurance with them and wished you could get it at that price? Well you now can for black Friday, they've selected some products and have put the all customer prices down to the members prices. There's some great steals over there, from rugs to clothing. You can see the deals here.

Don't forget Harry Hall now have Masta on their site, this is a great time to stock up on those winter and summer rugs. 

If you head over to the Robinson's Equestrian site they also have some great deals on, but for every £100 you spend online or in their store you will receive a £20 voucher back. Making whatever you spend at least £20 less, extra savings. 

Up next is Equine Superstore they have some great deals on, offering up to 65% off. They have £100 off the Rambo Duo heavy turnout, I feel this is a great deal and not something you'd find everyday.  Also with orders over £100 you get a free pair of Dublin Welly socks and a Toggi Navigator Utility bag for free worth £59.99 for the two. 

Then there's the Naylors Equestrian Black Friday Accumulator, this has been ongoing for a few days before black Friday and a new offer was added each day. Naylors are offering up to 50% off Ariat footwear, 20% off Joules Autumn/Winter clothing & footwear, 30% off Regatta outdoor clothing, 15% off Mountain Horse clothing & footwear, 20% off Dublin clothing & footwear, 20% off Horseware, Shires & Weatherbeeta rugs, 20% off Hunter and 15% off Horseware clothing & footwear

Horze are offering up to 70% off on some products, they're are some great rugs from £6.90. You can find all their offers here. 

Make sure to make the most of these offers as most of them either finish tonight or tomorrow night.