Pony Club Members
Horse riding is a high-risk activity and it is important that members understand the benefits that they receive as part of their Pony Club membership as well as other options that are available for additional cover.
Members insurance
Members of The Pony Club automatically receive third party public liability insurance for equestrian activities up to a limit of £30,000,000. This includes, branch members, centre members, centre plus members and non-riding members.
Third party liability insurance protects you against liability you may incur as a result of damage to third party property, or bodily injury to a third party, arising out of your participation in equestrian activities. If you are a Branch or Centre Plus member, your insurance cover also includes your ownership of horses and ponies.
Common examples of this are if your horse or pony kicks a car and you are held liable for the cost of repairs. Similarly, if your horse kicked a person and caused an injury which rendered them unable to work, you may be held liable for compensation including loss of earnings.
This insurance is in force 24/7 and is not restricted to an accident at a Pony Club event. The policy excludes accidents arising as a result of the member taking part in any horse racing activity other than Pony Club race days or training days.
It is important to understand that this insurance does not cover any damage to your own property or any property in your care and does not cover bodily injury to the member or any family member. The policy does not cover the use of a horse or pony for hire or reward and does not cover the member if they are working within any business, for example, work experience for a competition yard.
There also needs to be negligence in your actions in order for a claim to be valid. In the event of any incident, taking place which could result in a claim, you should notify Howden straight away and it is important that you do not admit liability. Please follow the link on the Accident and Incident reporting page in order to notify an incident.
Members do not receive any personal accident benefit through their membership of The Pony Club. However, members can obtain personal accident cover through A-Plan, which is a Howden Group company.
Personal Accident insurance policies vary a huge amount. Many ‘add on’ personal accident policies will cover death and permanent disablement only for relatively low levels. You should consider your individual circumstances when choosing a personal accident policy.
To discuss your options, please contact:
James Warman
01993 778778
Read through the Policy Summary and FAQs page to find out more about the cover offered for Pony Club members.