The high profile falls of eventers Laura Collett and Harry Meade — who suffered serious injuries last year, but didn’t have personal accident cover — have raised awareness of the need for riders to protect themselves in case of an accident.

What is personal accident insurance?
While insuring our horses is high on our priority lists, riders often leave themselves completely uncovered.  Personal accident insurance will cover you for loss of income if an injury stops you from working temporarily, and provide a lump sum if you are permanently disabled or die in a riding accident. The type of things covered include loss of eyesight, loss of limbs, permanent disablement and death.

Why should you have it?
Personal cover is not just an issue for professional riders — who rely on being fit and healthy to compete and pay the bills. It is a matter that amateur riders should take on board as well. “If you are self-employed and break your arm, for example, you might be just as badly affected [as the professionals],” says Suzy Middleton from SEIB. “Even if you are employed and are entitled to sick pay, you have to take into consideration the additional cost of someone looking after your horse if you can’t.”

What personal accident cover comes with society membership?
If you are a member of a society or organisation that offers insurance as part of the membership package, find out exactly what it covers you for — and more crucially what it doesn’t include.

  • Countryside Alliance
    Personal accident insurance up to £35,000 for death, loss of limbs or eyes, permanent disability, burns or facial scarring.
  • BHS gold/British Eventing/British Dressage
    Personal accident insurance up to £10,000 for accidental death, loss of limb/eyesight and permanent total disablement only.
  • British Showjumping/Pony Club
    No personal accident cover. Public liability insurance only.

How much will it cost?
The price for personal accident insurance varies dramatically, depending on the level at which you compete and the level of cover that you require. Accident cover with an income protection policy of £1,000 a month starts from around £35 a month for a non-professional. On top of this, fracture cover, which provides a lump sum payment for a broken bone, can be bolted on for roughly an extra £2 a month with some companies. There are also brokers that specialise in cover for extreme sports and professionals.

Where can you get personal accident insurance?
To find out more about the policies on offer visit:

6 ways to get the most out of your horse insurance

Read the H&H VIP news story about personal accident insurance from this week’s Horse & Hound magazine (10 April 2014)