The Hiscox Liability policy is designed specifically to meet the needs of the RDA, its affiliated Groups, Trustees, Volunteers and Coaches/Instructors.
Yes, a £250 excess applies to any third party property damage claim.
The liability insurance includes cover for:
If you have Liability Insurance the Group are insured for liability incurred by the employees and volunteers following their negligent acts. Employers Liability provides protection to the Group as an 'employer', in the event any of the volunteers or employees are injured during their duties and sues your Group for negligence.
Under British Law you can still be called an employee even if you are not paid. Since 1st April 2013 Employers Liability cover is provided to all RDA Groups.
Insurance certificates are issued to the Group contacts April each year, providing the Group membership fee and insurance premium has been recieved by the RDA National Office.
The exercising of RDA horses and ponies outside the approved location, by non-disabled riders is only insured under the RDA insurance scheme when certain conditions are met. More information...
‘Low risk’ fundraising events are covered by the Hiscox Liability policy. Examples include coffee mornings, bring & buy sales, sponsored singing, BBQ's etc.
No. Fundraising pony rides involving able bodied riders are not covered by the RDA Insurances. Additional insurance can be obtained by contacting Howden on 0121 698 8160 or by email firstname.lastname@example.org
The Hiscox Liability policy provides the legal costs and expenses in connection with defending you for claims where either injury or damage to property is alleged.
Please note groups also have access to a Legal Expenses policy and free legal helpline through ARAG plc, the legal advice line is : 0344 571 7978
No. An Instructor must be a full-time UK resident, RDA Groups must be located in the UK.
Yes, this is a recognised activity of RDA. Please ensure the activity is appropriately risk assessed in advance.
Yes, this is a recognised activity of RDA. Please ensure the activities planned are recognised by RDA, examples includes, raffles, supply of refreshments, petting/ brushing the ponies, craft etc…
The Liability cover includes the use of a mechanical horse as part of your RDA approved activities. An RDA volunteer / instructor who is deemed to be a competent rider would be insured for using the mechanical horse as part of a training session.
Please note however that your group is not insured to rent out the mechanical horse for non-disabled riding lessons.
Please also note that the RDA cover does not include insuring the mechanical horse itself from a damage / theft perspective, this can be arranged separately by calling Howden on 0121 698 8160.