Why do you need Personal Accident as a horse rider?

Are you looking for equine insurance? Get in touch with us! A member of the Howden Rural team would love to help you find the perfect policy!

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What happens when you fall? Physically, it hurts, and we brush ourselves down and get back on the horse, literally. What if you couldn't get backup? could you manage. Media coverage over the last year has shown horse riding is dangerous and can result in life changing injuries or worse.

That's where a personal accident policy steps in. We are luckily enough to live in a country with subsidised healthcare. However, with wait lists increasing and the NHS under strain a personal accident policy can make the world of difference to your recovery.

So, what is personal accident insurance? Personal Accident is a policy that can be taken out to protect yourself when you become physically injured or die. It can be scary to think about these things but as horse riders it important to have a plan not just for your sake but the care/ welfare of your horses.

There are different types of personal accident:

1. PA on horse insurance policies – this is usually limited to a fixed sum in the event of accidental death or total permanent disablement. This will not cover broken bones or time off of work for said broken bones.
2. PA with your memberships – Some equine associations, for example, British Eventing and BHS. Different associations have different options so we would always recommend checking what is included and if it meets your needs. Any questions should be directed at your association.
3. PA via your employer – Some employers may offer some personal accident/ life and health cover; however, this is not always the case and, in some cases, due to the terms and conditional horse riding may not be covered. We would recommend you review your policy to check it is covering you for what you need and if not, a bespoke insurance policy could be a better option.
4. Bespoke personal accident policy – these are personal accident policies available to anyone and can be an extension of a life and health policy or taken out in isolation. Here at Howden, we have a dedicated life and health team that can help you with any of your needs. However, we have also launched a bespoke policy for British Eventing members as a top up to their current membership benefits.

British Eventing Personal Accident:

Protection On and Off the Horse

Your British Eventing membership already gives you personal accident cover at BE-affiliated events and training. But we know that accidents can happen anywhere — hacking out, or even when you’re just bringing your horse in from the field.

BE Personal Accident exists for this exact reason. This bespoke policy has been developed by Howden, for registered BE members including Pay As You Go members. It offers you cover 24 hours a day, 365 days a year, for both equine and non-equine activities.

There are three levels of cover to choose from, protecting grassroots riders all the way up to 5★ professionals.

For a quote give the team a call today on 01743455911 to discuss your options

Level One:

• Accidental death limit: £20k
• Permanent total disablement: £40K
• Temporary total disablement: £250 per week
• Temporary partial disablement: £125 per week

Level Two:

• Accidental death limit: £40k
• Permanent total disablement: £80K
• Temporary total disablement: £500 per week
• Temporary partial disablement: £250 per week

Level Three:

• Accidental death limit: £80k
• Permanent total disablement: £160K
• Temporary total disablement: £750 per week
• Temporary partial disablement: £350 per week

For more information about the BEPA product and what else Howden can help with please call 01743 455911.