Do You Know What Your Membership Really Covers? | Harry Hall One Club
Don’t worry if the answer’s “not really”. We doubt paperwork is anyone’s favourite part of owning horses. Every membership is different, and so is the cover attached to it, so it’s well worth a quick look before you head off to your next show.
What to look out for
Competition days or every day? Think about everywhere you spend your time with your horse. Hacking out, schooling at home, turnout, a lesson on a friend’s horse. Make sure you know how your cover works across all of it, not just at shows.
How many horses? If you’ve got more than one, or you ride and handle horses you don’t own, check who and what is included. Does it cover you to ride other people’s horses, or just the one named on your membership? And what about when someone else rides or handles your horse?
Does age matter? Some policies have age limitations for the member who is handling or riding the horse. So it’s best to give it a quick to check to see if you are restricted or not.
What about vet bills, kit and getting there?. For example, you may have personal accident and public liability, but not vet fees, tack, transport or breakdown cover. It’s worth checking where you might need extra cover outside your membership.
Why riders love the Harry Hall One Club
Your membership cover is a great starting point. But no two riders are the same, and we built the Harry Hall One Club to fit around real horsey life, whether you use it alongside your existing cover or want everything sorted in one place.
Cover for you, wherever you ride from £5.75 per month
With One Club membership, your public liability, personal accident and equine legal expenses cover comes as standard, and it goes with you everywhere: at home, out hacking, at events, and when you’re riding or handling other people’s horses. Then, if you want peace of mind for your horse too, we offer accidental injury vet fees cover from just £8.40 a month. Plus additional transport and breakdown cover available to add on too.
Here’s what else makes One Club a bit different:
- Great value from day one. Gold membership starts from just £5.75 a month and includes £10 million public liability, £10,000 personal accident insurance and £50,000 equine legal expenses cover.
- Made for multi-horse households. Cover up to 10 horses for public liability. You can also add up to 4 horses to your vet fees policy, depending on your membership, and share the claim limit between them at no extra cost.
- No upper age limit for your horse. Plus your price stays the same whatever your horse’s age.
- Affiliated event cover. Gold Plus and Platinum membership includes affiliated event cover, so you’re sorted when you head out competing.
- Add exactly what you need. Top up with vet fee’s, trailer, horsebox, tack, and breakdown and recovery cover, all in one place.
- Claims paid quickly. 99% of valid claims are paid within 14 days.*
- More than insurance. Members also get legal support and extra money-saving member perks.
Your quick checklist
- Have a read of your membership’s policy summary and IPID (Insurance Product Information Document) which gives you a summary of what you are and aren’t covered for, It usually only takes five minutes.
- Double check what is included and what isn’t.
- Decide if this is enough for your needs, or if you need additional or different cover.
- Still not sure? Give your organisation or their insurance provider a call.
- If you are interested in what Harry Hall One Club could do for you, you can also contact our friendly Yorkshire-based customer service team here: 01274 711 011. They’ll be happy to help.
