Do I need public liability insurance?

My elderly horse is turned out to grass and no longer ridden on the roads. Do I still need public liability insurance?

Answer

We are strong advocates of public liability insurance, even for elderly horses that are retired.

It’s not the case that it is always the driver’s fault if an accident occurs.  Your horse could escape from its field and run into the path of a correctly proceeding vehicle.

In the event that you do not benefit from public liability insurance, you could be held personally liable for any damage caused.

Depending on the severity of the damage caused the claim against you could range from thousands to millions of pounds.

Any assets that you have could be taken including your home and the injured party could be entitled to an attachment to your earnings.