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Can you AFFORD to cancel?

Cancelling your BGA membership is false economy as accidents CAN and DO happen.

Can you really afford not to be protected?

We have been contacted by a BGA member who wishes to remain anonymous but wants to share her experience to save others falling into this trap.

Our member cancelled her BGA membership in a bid to save money due to the cost of living increases.

Unfortunately, shortly after cancelling her BGA membership the unthinkable happened.

Our member had an accident which has left her unable to work for months, with no income to pay her bills. Sadly this is a story we hear often.


Make sure this doesn't happen to YOU!

Personally, this happened to me with horse insurance, I had been covered for 20 years, never needed it so I didn’t renew my policy, and one month later I had a vet bill of £6,000!

If you get injured and you are unable to work, then you need to consider that your income is likely to be reduced, or if a freelancer could disappear.

Protecting yourself is important, trust us, we hear about accidents all the time.

Freelance groom, employed groom or equine student on work placement - whatever you do, the BGA is here for you and your insurance needs.

The BGA has the best grooms insurance for all who work with horses.

Thank you to our member for sharing your story, we are pleased you are on the road to recovery.


Are you insured?

Find out more about our groom specific policies and how we can help to protect you.









What the personal accident policy covers you for:

  • Whilst at work
  • All stable duties – mucking out, grooming, washing off, turning out
  • Clipping
  • Riding – including hacking and jumping
  • Hunting
  • Lunging
  • Breaking in
  • Holding horse for a vet and other procedures
  • Travelling horses both in the UK and abroad
  • Competing in line with your job including: jumping, dressage, eventing
  • Injuries that may happen to you whilst you are teaching - but you must also be grooming as part of your duties and not be a sole instructor

What the personal accident policy doesn’t cover you for:

  • Riding in a race, point to point or team chase
  • Stunt Riding
  • Accidents occurring whilst travelling to and from work
  • Riding and competing your own horse (but you can upgrade when applying for membership to include this)
  • Public Liability – this is a separate insurance policy - the Freelance Groom Liability Insurance
  • Care Custody and Control – this is a separate policy - the Freelance Groom Liability Insurance

If you require additional cover then please contact KBIS directly.


When you are working for other people you do most of the following; muck out, turn out/catch in, tack up, groom horses, exercise Horses (including hacking, jumping and schooling), in the care of your employer/client.




Predominantly ride horses for other people including schooling, exercising and competing.   

 Provide grooming services for someone else either full time or on a freelance basis i.e. an employer or a client.   


Employ staff – have an employers liability policy in your name NO NO YES
Buy and sell horses NO YES YES

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