Am I insured? Horseriding is a risk sport in insurance terms and must be specifically mentioned in an insurance policy.
- Many standard policies will cover trekking as part of a holiday - the odd day at a sedate pace. But a full-on riding holiday requires full-on cover.
- If you already have travel insurance, annual cover or a policy provided with your credit card and want to use it for your horseriding trip, contact your insurer. Ask them if horseriding is covered or can be covered for an additional charge. Make sure you give them all the details they ask for which might include whether you will be jumping or hunting. Ensure that you receive confirmation of your extended cover in writing.
- If you are buying insurance for this particular trip then it's worthwhile going for one that is targeted to adventure holidays. Some riding holiday companies will offer their own insurance or recommend a particular insurer. These are worth considering because they will be tailored to the holidays the company offers.