Arab Horse Society Membership - What Insurance Cover do I get?
The AHS gold and silver membership extends to include public liability insurance which is arranged by South Essex Insurance Brokers. Public Liability insurance provides cover for third party property damage or bodily injury, where you as a member are found legally liable.
Please be aware some accidents are just that, a pure accident, where no one is at fault and neither party has any legal liability to the other. This can lead to awkward situations, especially if both parties are known to each other. However, if there is no legal liability attaching the insurance company will not pay compensation but will pay to defend such accusations.
The AHS provides its members with public liability cover at minimal cost with a small excess of £500 for any third party property damage claims. The cover is designed for recreational riding (no business use) and also extends to provide cover for others occasionally riding or handling your horse, as long as this is with your permission.
To be a horse owner and run the risk of a serious claim for third party personal injury or third party property damage without appropriate liability insurance just doesn't make sense. The Society provides its members with the peace of mind and security of knowing that they are protected with £10million of cover. Often the most costly part of a claim can be the legal costs that are associated in defending these cases. As part of the public liability insurance, legal defense costs are included.
Members summary available here
The above Public Liability cover is part of your membership but you may also want to consider additional cover to protect you and your horse. South Essex Insurance Brokers Limited can arrange suitable Personal Accident policies which can be tailored to your requirements. This can include cover for loss of earnings should you be injured and out of work of course terms and conditions will apply.
SEIB's horse and pony insurance includes veterinary fee cover up to £5000 and a variety of excess which can considerably reduce the premiums. The policy can be extended to include tack and saddlery, disposal costs, loss of use and much more.
They offer extremely competitive horsebox and trailer cover with discounts if the trailer is kept at home and reduced premiums for 3.5 tonne boxes. Full breakdown cover can be included for both the trailer and horsebox and the trailer breakdown covers the towing vehicle even when the trailer is not attached.
SEIB offers discounts are for members of the Arab Horse Society, just telephone 0845 450 7881 for a quote, give your Society membership number and see what discount they can offer