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Insurance Q&As Q A My daughter is looking to join BE this summer and I have been told by other mothers I should let my insurance company know, is this true and why is this?
You have been given the correct advice. It is important to keep your insurance company up to date with any changes, such as a change of use or moving yards. If this is your daughter’s first BE event it is likely that the horse is insured for hacking, dressage and riding club activities. As eventing is a step up from these activities the risk to the horse becomes greater. Insurance companies provide insurance on the basis of the risk; there are several different categories from just being a companion in the field up to Point to Point and the premium changes to reflect the risk to the horse. Speak to your insurance company they should be happy to provide the extra cover although there is likely to be an increased premium to pay. If your daughter goes eventing with this horse and has an accident or the horse becomes injured, if the correct cover is not in place it is unlikely that the insurer will cover the costs. If you have an insurance question email it to fiona@localrider.co.uk and we will feature the best ones in a future issue.
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