what is the best horse and rider insurance policy to make sue im covered?

Question

i have just recently taken out a horse on loan, and i only have riders insurance. i have been advised to make sure i am covered for any third party damage. i have had an insurance quote for the following: 401.09 for a year which covers me for the following: 

10,000 personal accident 
5,000 vets fee's with 135 excess
up to 1 million third party liability with 100 excess. 

however i am aware i can get the junior gold membership with the BHS for 46 for the year which gives me public liability insurance, is i was to take this out is it an adequate insurance policy and will me and my horse be covered? 

HELP PLEASE? 

any suggestions welcome.

Anonymous · Accepted Answer

Well the good news is that I just saved a bunch of money by switching to Geico.

margison · Answer

I used to have private coverage, I cant remember the call of them yet they promote on your Horse magazine (a large website unfold). They have been large and truly priced. I used to paintings in a vets and we wouldnt advise E & L as they have been hassle whilst it got here to paying out, continually prepared to understand the bits and bobs of everthing and finding for loop holes, undesirable payers, (this became into 10 years in the past). additionally puppy Plan are an extremely good coverage corporation for horse coverage in spite of if or no longer they do very own coverage by potential of itself I dont understand yet i understand they pay out and pay out rapidly.

Janian · Answer

That sounds ok, personally I like my vet cover to be 7K.
Also make sure it's lifetime cover and not limited.

Anonymous · Answer

The insurance firm Horsey McHorsington has great rider insurance.

It's all explained in this video
http://www.youtube.com/watch?v=y_PZPpWTRTU&feature=youtube_gdata_player

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what is the best horse and rider insurance policy to make sue im covered?

4 Answers