Tak­ing a tum­ble

Your Horse (UK) - - ASK THE EXPERTS -

QWhen try­ing out horses to buy, what are the im­pli­ca­tions if I fall off while rid­ing on the seller’s yard? Should I take out ex­tra in­sur­ance to cover my­self? Bai­ley Tem­ple, Read­ing

Re­becca says... It very much de­pends why you fell off the horse in the first place. For ex­am­ple, if you fell off be­cause you are an in­ex­pe­ri­enced rider and could not cope with the level of horse that you went to try, then it’s un­likely that the horse’s owner would be 100% re­spon­si­ble (“li­able”). How­ever, if you fell off be­cause the horse bolted or was rear­ing and buck­ing, it’s likely the horse’s owner would po­ten­tially be li­able for any in­jury or dam­age that was caused. Ide­ally, the horse’s owner should be in­sured against any po­ten­tial claims. How­ever, it is not a le­gal re­quire­ment that a horse is in­sured. I would ad­vise that you do take out ex­tra in­sur­ance or no­tify your in­sur­ance com­pany to en­sure you are per­son­ally in­sured for rid­ing some­one else’s horse in case you fall off and hurt your­self.


Rid­ing a new horse for the first time comes with its risks

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