Some functionality of the website is not currently available due to technical difficulties. We're working on fixing the issue.

Grooms Insurance


Our most popular BGA membership choice, for freelance grooms and employed grooms, as this personal accident insurance includes Temporary Total Disablement (TTD) -  see what it covers

The TTD cover has been designed for those earning up to £385 per week as the maximum payment under this section is up to £250, or 65% of your gross weekly earnings. However Silver membership can still be suitable for higher earners who wish to have some level of cover in place but do not want to pay the higher membership fee of Platinum cover.

It is important you can prove your earnings in the case of a claim.

If you are looking for higher benefits and/or earn a higher weekly income then our Platinum Membership might be more suitable.

Unsure about Temporary Total Disablement? Find out more about this benefit

The payment must be made by someone over the age of 18, for example a parent or guardian, if you are under 18 years old. Only available for UK residents.


Insurance details

Got a question? Look at the frequently asked insurance questions

Details Cover
Death £15,000
Permanent Total Loss of Sight of One or Both Eyes £15,000
Loss of One or More Limbs £15,000
Permanent Total Loss of Speech £15,000
Permanent Total Loss of Hearing in One of Both Ears £15,000 (limited to £6,000 for one ear)

Permanent Total Disablement (other than loss of Sight, Speech or Hearing)


Temporary Total Disablement**
(Payable 104 Weeks. Excess period 21 Days)

Up to £250 per week
Emergency Dental Expenses (Excess £50) Up to £1,000
Hospital Benefit (Maximum benefit 30 days) £30.00 each completed 24 hours

Download IPID and Policy Summary

Download Terms & conditions



£134.03 per year or
£12.09 per month - please read the rules of Direct Debit payments prior selecting

Sign up includes the option to boost the insurance to cover you whilst riding/competing your own horse at additional cost.

Buy now