Unlike with our cars there is no legal requirement to insure your horse against third party liability however it is the type of cover that’s advisable for every horse owner. No one is immune from having a claim made against them and although you may think your youngsters in the field can do no harm you would be surprised by the number of claims we get for damage to property caused by loose horses. Membership of some societies such as the British Horse Society, British Eventing, British Dressage and British Showjumping offer third party liability cover as a benefit of membership but do check that you have adequate cover in place before deciding that it is appropriate to exclude it from your horse insurance policy. Although claims are not common when they are made they can run into many hundreds of thousands of pounds.