Policy summary & FAQS

horse carriagedriving racing two females

Policy summaries and documents for download

If you would like any of these documents sent to you in paper format by post, please contact Howden and provide your postal address.

British Carriagedriving Member Policy Wording

IPID - Associate Members' Liability Insurance Policy

Affiliated Club Members Policy Summary

Full Members Policy Summary

International Members Policy Summary

Evidence of Cover for British Carriagedriving Affiliated Clubs and Event Organisers 

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 their equestrian related activities on a 24/7 basis including any liability arising out of the ownership of any horse or pony (subject to the terms, conditions and exclusions of the policy).  Personal liability insurance is only included for affiliated club members whilst at BC approved events and affiliated club events.

Members do not receive any personal accident benefit through their membership of British Carriagedriving.  However, members can obtain personal accident cover through A-plan, which is a Howden Group company. 

Personal accident insurance policies vary a huge amount.  Many "add on" personal accident policies will cover death and permanent disablement only for relatively low levels.  You should consider your individual circumstances when choosing a personal accident policy.

To discuss your options, please contact James Warman by email [email protected] or telephone 01993 778778. 

Yes but only whilst temporarily visiting the UK/Ireland.

Yes, full, associate and international membership of British Carriagedriving provides personal liability cover for members usually domiciled in the UK and The Republic of Ireland. 

Yes but you are expected to use due diligence and should not drive if it is against the advice of a qualified medical practitioner.

Any person between the age of 6 and 11 will only receive legal liability cover at British Young Drivers competitions or training days.  Any Affiliated Club member between the age of 6 and 11 will also have cover at Affiliated Club events. 

Backsteppers are covered under the associate members policy under the authorised users extension providing they do not have their own insurance in place. 

 

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.

All three types of British Carriagedriving membership cover third party liability for your use, ownership or control of a horse or pony on a 24/7 basis, subject to the exclusions and conditions within the policy wording.  There are however some subtle differences between the cover provided. 

Associate membership does not include cover whilst competing in any competition that includes a timed driving element.  International membership includes travel insurance for competing abroad and also extends to include legal liability for equestrian events overseas.  Associate and Full membership only provides cover in the UK and Republic of Ireland. 

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.

The members policy includes an authorised users extension which will provide cover for people using your horse with your permission providing they do not have their own cover in place.  However, this extension only applies if the member is present and therefore if they are hacking on their own you should ensure they have their own cover in place.

Yes they will be covered under Horse Grooms extension, providing they are not riding your horse and providing they do not have separate cover in place.  If your friend is a Professional Groom and provides grooming services as an occupation then your members policy will not provide cover.  Any professional groom should have their own policy in place for their commercial activities.  If your friend will be riding your horse whilst you are on holiday, you should ensure they have their own cover in place. 

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.

Affiliated clubs

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.