Stoneways
Horse Insurance
Horse Insurance from Stoneways Insurance Services
Stoneways Insurance provide horse insurance and equine
liability cover
IF
YOU OWN OR ARE RESPONSIBLE FOR A HORSE THIS AFFECTS YOU!
After
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 you will have to make
sure you have third party liability insurance cover if nothing
else.
In
the case of Mirvahedy v Henley, the House of Lords deemed
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 or keeper is liable regardless.
This
decision is naturally leading to increased premiums for equine
liability cover. But 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.
For
further information on Stoneways horse insurance visit
the Stoneways Insurance website.
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