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Stoneways Horse Insurance

 


Read Stoneways Insurance Services Company Overview...click here



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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