At the moment we don't have any insurance for her - she rides at a BHS aprroved riding school, doesn't go off the premises. Recently someone mentioned (again) the notice in the office suggesting riders take out insurance.
I've been looking at BHS and Pony Club. Is that how people would normally get their insurance for horse riding? Presumably the reason we might want this is to cover any increased costs of looking after her if she should have a serious accident?
DD (10) rides and so do lots of her friends. I don't think any of them have a separate insurance policy, but in Holland, it is compulsory to have private health insurance anyway, so maybe this would cover any treatment.
Have you checked what insurance the riding school have? BHS approval (I think) relies partly on certain insurance levels, so you may as well make sure you're not covering your daughter twice for anything.
The BHS riding school my DD uses have full public liability cover, which should cover anything that happens (and any aftercare) should DD have an accident whiclst on the premises. There has been no talk or suggestion of additional insurance.