Horse Insurance
Horse insurance and equine liability cover from Stoneways Insurance |
IF YOU OWN OR ARE RESPONSIBLE FOR A HORSE THIS AFFECTS YOU! |
Due to a decision in the House of Lords you are now liable for any damage or injury that your horse
does to other people regardless of whether you are negligent or not. So make sure you have
third party liability insurance cover if nothing else.
In the case of Mirvahedy v Henley, the House of Lords decided that in the event of someone being injured by a horse,
the Animal Act should apply. Under the Animal Act the keeper/owner is strictly liable for any damage or injury to a
third party, whether negligent or not.
Prior to this case owners could rely on taking due care of their animals with good stable practice and management to
avoid the accusation of negligence. This is no longer a defence and the owner/keeper is liable regardless.
This decision is naturally leading to increased premiums for equine liability cover. However the cost of equine
liability insurance is still reasonable when considered against the costs of having to defend a third party
liability claim against yourself and the possible resulting compensation bill. |
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You can now buy your horse insurance policy online and get one
month free if you pay by direct debit.
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