child rider insurance

[clinkingIceCubes]

Hi, sorry if I have missed a thread on this already, I tried to look but couldn't find.

So, dd1 has the opportunity to part loan a pony from a friend. She will be spending time at their yard and having informal lessons there, hacking out, doing all the various stable management jobs and, hopefully, having a whale of a time. We will be paying for the loan and there is a contract we are agreeing so we all know where we stand. NB DD1 friend's mum did say she isn't running this 'as a business' i.e. it's not a commercial yard. So it isn't like at a riding school where she has been previously and the school's insurance covered her under their public liability to the tune of large sums of money.

DH and I have just been looking into insurance for this loan arrangement......and are confused!

All the personal injury stuff (Petplan, NFU, BHS etc) seems to be for very small payouts (hopefully never needed) and there don't seem to be any options to get more comprehensive cover.

We are going to ask the adults in charge (DD1 friend's parents) about exactly what their insurance covers, and obviously we need DD1 to have public liability ins, which looks pretty straightforward. But I thought it worth asking for advice here, since so often, MN has the answers!

Thanks for any help.

By the way, reading this back, it may sound as though we are focusing on ££'s a lot, but we are just concerned that, should accidents happen, we don't find ourselves out on a limb. Hope that makes sense

oh, and DD1 is 12 if that makes any difference?

Personal liability for anyone under 18 is worthless. You can't make a claim for pl against a minor. It automatically passes to their responsible adult. If the pony is insured by he owner for vets fees etc, then your best bet is probably BHS gol membership, as a family. So you and dd are both included. This gives PL for any horse you own, loan, handle or work with, Rider insurance for serious injury/death, and a free legal helpline. and a free Hickstead ticket every year.

thanks Saggy, that's really helpful, hadn't ocurred to us about not being able to claim PL against minors. We will check what the owners' ins covers and look into family cover as you suggest. You may not know, but if you do by chance, would that cover for us mean that, if DD was seriously injured, our PL ins would give her the sort of recompense you get from riding school ins?

Iirc, public liability is for others to claim against you for damage caused by your horse. The Bhs cover gives limited rider insurance, ie loss of life or a limb, blindness. Tbh for me the PL was more imPortant. And the legal helpline is fantastic.

As said if the pony is insured as a riding pony then that should cover any damaged caused by the pony while your dd is riding. May even offer personal accident cover for any ridder.
I think that as well as bhs the pony club membership offers third party public liability insurance, so this could be another route.

thanks both, was offline most of the weekend so only just coming back to this. I guess we need to understand the insurance the parents have for their yard and horses, to know what is covered. No question we, on DD's behalf need to have the PLI, but we do want to know what their cover would do for her personally in the event of an accident. The BHS gold member personal injury cover is on £5k which is nothing if she really hurt herself.

I have ridden for so long I sort of forget that it is actually a pretty dangerous sport!