Saddle up and enjoy your next ride on a borrowed horse with no worries. Our private liability supplementary insurance means you are optimally insured as a rider.
Riding is a high-risk sport, as horses can be unpredictable and easily scared. There are several thousand riding accidents every year. And it may not just be you, the rider, who is injured. Other people, animals or objects can be injured or damaged, or the borrowed horse may suffer injuries. Private liability supplementary insurance for people renting, borrowing or learning to ride horses owned by third parties ensures that you as a rider do not have to pay the costs of the latter.
Horses that are borrowed, rented, kept temporarily or ridden on behalf of someone else are classed as being owned by a third party.
If you, as a rider, have an accident on a horse not owned by you, Helvetia will cover the following costs for you:
The insurance also covers club, course and school-related examinations.
Injury to a borrowed horse while taking part in horse racing, steeplechase competitions and driving competitions is not covered.
Neither does the insurance provide cover if the horse is in your care for more than four months.
This supplementary insurance is suitable for anyone who rides a horse that is not owned by them, whether learning to ride, sharing a horse, or looking after a horse on a temporary basis.