Do you have insurance (for yourself, not your horse) and can you recommend any insurance?

[Seekingapony]

Hopefully going to be taking a horse on part-share soon.

It has occurred to me that I should get some insurance (for myself - I assume the horse will be insured by its owner but will double check).

Can any recommend any rider insurance?

Thanks

[emlu67]

NFU were recommended to us for DD's rider insurance and were very helpful.

[Pixel]

The girl who had dhorse on part loan for a while joined the BHS which apparently meant she also got personal insurance cover automatically. Worth checking out.

[CailinBainne]

I joined Countryside Alliance as they have public liability insurance as part of the membership. However this only covers damage to 3rd parties (e.g. pony damaging a car) not personal injury

[CUnexttuseday]

British horse society gold membership - gives 3rd party and rider insurance for £68 per year

[Annewilkinson]

I think the BHS Gold membership includes Public Liability Insurance up to £10 million but the Personal Accident Insurance is only up to £10,000, which is not really a lot if you had a very serious accident and had to give up your job, for example.

I also have an income protection scheme which covers my income in the event I can no longer work due to illness / injury and I checked with the insurance provider to make sure horse riding is not excluded.

[loachey]

I have a rider insurance with E&L which is just under a fiver a month. The think the reason I picked E&L was it also has some vet cover for when I was riding as well. I don't think the BHS one does (but I might be wrong) and I could pay monthly unlike the BHS one.

However, also like the above poster, I also have an income protection as well in place as a completely separate insurance policy as no rider policies cover much and if I had a serious accident, I would need the extra money coming in. I went straight back to work after my last serious accident (fractured spine!) as I couldn't afford the time off work. Granted, I was lucky enough to work from home so could sit on my bed, supported by lots of pillows and with laptop!