Policy summary & FAQS
Policy summaries and documents for download
British Carriagedriving members’ insurance frequently asked questions
The British Carriagedriving office receives numerous enquiries every year about insurance cover provided through British Carriagedriving membership. To help members establish whether or not they are covered in a specific situation, we have compiled a selection of FAQs. Our insurers have supplied answers below:
Members Insurance - coverage
Full, associate and international members of British Carriagedriving receive personal liability insurance for all of their equestrian related activities including any liability arising out of the ownership of any horse or pony. Personal liability insurance is only included for affiliated club members whilst at BC approved events and affiliated club events.
There is no personal accident cover automatically included in any membership subscription of British Carriagedriving or any Affiliated Club. There is an optional personal accident scheme which offers all BC members and members of Affiliated Clubs the opportunity to purchase personal accident cover for accidents at all BC and Affiliated Club events.
Please visit www.britishcarriagedriving.kbispartnership.co.uk for more details.
Yes but only whilst temporarily visiting the UK/Ireland.
Yes, full, associate and international membership of British Carriagedriving provides personal liability cover worldwide for members usually domiciled in the UK and The Republic of Ireland.
Whilst your groom is covered for personal liability whilst working for you, they may still claim against you if they have an accident whilst in your employment. You should take advice as to whether you are required to have separate Employers Liability cover for this eventuality.
Your daughter will be indemnified for her personal liability as she is an authorised user of your pony.
Yes but you are expected to use due diligence and should not drive if it is against the advice of a qualified medical practitioner.
The personal liability cover follows British Carriagedriving rules regarding membership age limits but the minimum age for non-member young persons attending British Carriagedriving clinics, camps etc is 8 years.
Yes. If you are a full, associate or international member of British Carriagedriving any employed groom is indemnified for their own personal liability while working for you. However, if you have an employed groom you are likely to require separate Employers Liability cover which you do not receive as part of your members insurance. This may possibly be included under your household insurance but as each policy is different you should check the position with your insurer.
With regards to non-employed grooms who are assisting a member at an event, they are indemnified under your member’s liability cover whilst at British Carriagedriving events, including whilst backstepping.
As an international member, your Personal Liability insurance will provide cover worldwide, provided you are normally domiciled in the UK or Republic of Ireland. A separate personal accident and travel policy is in effect for International competitors. Please contact BC for full details.
Yes, but subject always to the requirement of you being held legally liable for the injury.
No. You should take advice on whether you have a legal responsibility to hold Employers' Liability cover.
This is not automatically included and should be referred to Howden Insurance Brokers. The employer should have adequate business insurance in place to include public liability for employees during the course of their duties.
Incidents and claims
If you were actively engaged in an official club activity at the time of the incident then yes you would be covered by your club membership, subject always to the requirement of you being held legally liable for the injury. If you were not engaged in a club activity there is no cover under your club membership.
Yes, subject always to the requirement of you being held legally liable for the injury.
Members questions relating to your horses
You will be indemnified in your capacity as an owner, but unless your friend is also a member, they should make their own insurance arrangements.
Yes, there is no requirement to keep your horse at your place of residence.
This is not automatically included and should be referred to Howden Insurance Brokers.
Yes, authorised users are indemnified, subject always to the requirement of legal liability.
Members questions relating to instruction
No - business activities are excluded.
No, your policy does not include freelance teaching unless it is at a BC event or affiliated club event. You should ensure that the Non-affiliated club has their own insurance in place that covers your Personal Liability at the event.
Does the club’s affiliation include insurance provision to indemnify both myself and the club in the event of an accident?
Yes, all trainers are covered for their own Personal Liability whilst teaching at BC events and affiliated club events.
Yes - but subject always to the requirement of you being held legally liable for the injury.
Yes, official club activities are included (including social and fund raising activities)
The club is indemnified and, providing the newcomers are granted temporary day membership, they would also be indemnified subject always to the requirement of legal liability.