Bokt.nl

**Geplaatst door de TopicStarter** : 06-04-21 12:50

verzekering bijrijder/Paardeneigenaar

Geplaatst door de TopicStarter : 06-04-21 12:50

Hi everyone,
I’m very sorry, my Dutch isn’t so great yet so I will post in English but include a google translation below.
I’m educating myself on insurance at the moment, because I would like to get my own horse in the future and until then I’ll be a good bijrijder (hopefully). I have no idea what insurances are common to have in the Netherlands so my question is:
If I’m riding the horse of someone else and the horse causes an accident (and for example damages a car or kicks a person) - should I as the bijrijder have a specific insurance for that? Or does the owner of the horse need a specific insurance that covers bijrijders as well? Do you have that for your horses? Can you recommend an insurance?
What about “operation insurance” if the horse needs to go into surgery? Is that common to have in the Netherlands?
Or anything else I’m not even thinking of?
I’m just trying to find out as much as possible before getting myself into the horse owner experience, and in the meantime I of course want to be a good bijrijder so any advice is welcome

Thanks a lot and have a great day!
Best,
Amelie

Hallo iedereen,
Het spijt me zeer, mijn Nederlands is nog niet zo goed, dus ik zal in het Engels posten, maar hieronder een Google-vertaling toevoegen.
Ik ben mezelf momenteel aan het leren over verzekeringen, omdat ik in de toekomst graag mijn eigen paard zou willen hebben en tot die tijd zal ik (hopelijk) een goede bijrijder zijn. Ik heb geen idee welke verzekeringen in Nederland gebruikelijk zijn, dus mijn vraag is:
Als ik op het paard van iemand anders rijd en het paard veroorzaakt een ongeval (en bijvoorbeeld een auto beschadigt of een persoon trapt), moet ik daar dan als bijrijder een specifieke verzekering voor hebben? Of heeft de eigenaar van het paard een specifieke verzekering nodig die ook bijrijders dekt? Heeft u dat voor uw paarden? Kunt u een verzekering aanbevelen?
Hoe zit het met de “operatieverzekering” als het paard geopereerd moet worden? Is dat gebruikelijk in Nederland?
Of iets anders waar ik niet eens aan denk?
Ik probeer gewoon zoveel mogelijk te weten te komen voordat ik mezelf in de ervaring van de paardeneigenaar verdiep, en in de tussentijd wil ik natuurlijk een goede bijrijder zijn, dus elk advies is welkom

Heel erg bedankt en een fijne dag gewenst!
Het beste,
Amelie

**Geplaatst**: 06-04-21 13:02

Geplaatst: 06-04-21 13:02

For the first one in your message you will have a AVP.
In Dutch it’s called a “ aansprakelijkheidsverzekering voor particulieren“
The second one is a healthcare insurance and it’s for cost and desicion of the horse owner.

**Geplaatst**: 06-04-21 13:24

Geplaatst: 06-04-21 13:24

Ineke2 schreef:
For the first one in your message you will have a AVP.
In Dutch it’s called a “ aansprakelijkheidsverzekering voor particulieren“
The second one is a healthcare insurance and it’s for cost and desicion of the horse owner.

In addition to this... The horse owner needs the AVP, the horse owner is always responsible for the horses behavior, even when riding with the bijrijder. The insurance company does not need to know if there's a bijrijder. The AVP is for cost of the horse owner.

**Geplaatst**: 06-04-21 13:26

Re: verzekering bijrijder/Paardeneigenaar

Geplaatst: 06-04-21 13:26

It is also need to have your own APV.
Not only for the time being around horses.

**Geplaatst**: 06-04-21 13:54

Geplaatst: 06-04-21 13:54

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Laatst bijgewerkt door divided op 23-05-24 13:53, in het totaal 1 keer bewerkt

**Geplaatst**: 06-04-21 13:55

Geplaatst: 06-04-21 13:55

Ineke2 schreef:
It is also need to have your own APV.
Not only for the time being around horses.

It's always a good idea to have an AVP, although it's not nessecary as bijrijder in relationship to the damage a horse causes, because that's always on (the insurance of) the horse owner.

**Geplaatst door de TopicStarter** : 06-04-21 14:50

Re: verzekering bijrijder/Paardeneigenaar

Geplaatst door de TopicStarter : 06-04-21 14:50

Hi everyone,

thank you for all your advice, I do have a AVP already (and the horse owner as well) and I also have a health insurance, so from your comments I’m drawing the conclusion that at least as a bijrijder that should cover everything needed, correct?

Hallo iedereen,

bedankt voor al je advies, ik heb al een AVP (en de paardeneigenaar ook) en ik heb ook een ziektekostenverzekering, dus uit je opmerkingen trek ik de conclusie dat in ieder geval als bijrijder alles moet dekken wat nodig is , correct?

**Geplaatst**: 06-04-21 15:04

Re: verzekering bijrijder/Paardeneigenaar

Geplaatst: 06-04-21 15:04

That should be correct

**Geplaatst**: 06-04-21 15:11

Geplaatst: 06-04-21 15:11

WenK schreef:
Ineke2 schreef:
For the first one in your message you will have a AVP.
In Dutch it’s called a “ aansprakelijkheidsverzekering voor particulieren“
The second one is a healthcare insurance and it’s for cost and desicion of the horse owner.

In addition to this... The horse owner needs the AVP, the horse owner is always responsible for the horses behavior, even when riding with the bijrijder. The insurance company does not need to know if there's a bijrijder. The AVP is for cost of the horse owner.

That's not necessarily true tho. I've had things covered by my own AVP when my former ''bijrijdpaard'' caused damage. But it really depends on the circumstances. Besides, I switched insurance not too long ago so I called around a little bit .It kinda depends on the insurance you're with, but I spoke to a couple who said I would be insured under my own AVP when something happens outside and the horse I ride would kick a car of whatever. However, and this is a major ''however'', they all said that when something happens when at the ridingclub/school or when at a horseshow, it won't be insured under the AVP cause it will be considered ''sport en spel'' (sports and game/play(?)) and that's usually not included. So even horseowners themselves should probably look into this a bit more cause I think most won't be up to date on this exclusion.

The other thing people seem to mix up here is health insurance. Your health insurance will cover for your health costs/hospital stay when something happens (minus your deductible). Health insurance for your horse is a different story. I think hippohorse, EFO, maybe some other insurers offer some different options when it comes to health insurance. But I'm not too familiar with horse insurance so it might be worth it to look into the conditions and things covered versus the cost of the insurance.

**Geplaatst door de TopicStarter** : 06-04-21 15:13

Geplaatst door de TopicStarter : 06-04-21 15:13

dank je wel Poekkie

**Geplaatst door de TopicStarter** : 06-04-21 15:17

Geplaatst door de TopicStarter : 06-04-21 15:17

That's not necessarily true tho. I've had things covered by my own AVP when my former ''bijrijdpaard'' caused damage. But it really depends on the circumstances. Besides, I switched insurance not too long ago so I called around a little bit .It kinda depends on the insurance you're with, but I spoke to a couple who said I would be insured under my own AVP when something happens outside and the horse I ride would kick a car of whatever. However, and this is a major ''however'', they all said that when something happens when at the ridingclub/school or when at a horseshow, it won't be insured under the AVP cause it will be considered ''sport en spel'' (sports and game/play(?)) and that's usually not included. So even horseowners themselves should probably look into this a bit more cause I think most won't be up to date on this exclusion.

The other thing people seem to mix up here is health insurance. Your health insurance will cover for your health costs/hospital stay when something happens (minus your deductible). Health insurance for your horse is a different story. I think hippohorse, EFO, maybe some other insurers offer some different options when it comes to health insurance. But I'm not too familiar with horse insurance so it might be worth it to look into the conditions and things covered versus the cost of the insurance.[/quote]

Interesting , thanks for highlighting this. So if it would be a sport and spel situation, what insurance would cover that/would I need in addition? Do you know by any chance?

Interessant, bedankt dat je dit benadrukt. Dus als het een sport- en spelsituatie zou zijn, welke verzekering zou dat dan dekken / zou ik daarnaast nodig hebben? Kent u het toevallig?

**Geplaatst**: 06-04-21 15:39

Geplaatst: 06-04-21 15:39

I'm not sure if there is a insurer that covers sport and spel specifically. Some insurers offer a sport en spel clause you can opt-in on but it's probably best to call your insurer to try and figure out what is and what isn't insured.

Also, I said your health insurance will cover medical costs. I just remembered something my stable-owner told us the other day. I'm not exactly sure what happend but the insurance came after them for medical expenses cause the girl suffered injuries caused by their horse. So they had to pay to cover. Would it have been her own horse tho, the medical expenses would have been covered by her own insurance. But I've been at my hospitals ED/A&E before after a kick from a bijrijdpaard without any problem (years ago tho) so I guess it also depends on your own health insurance. Actually, I've even been at my own HAP last october/november or so after a pretty hard fall. Never heard anything from that either.

What is covered under insurance A won't always be covered by insurance B so if you have any questions it's probably best to call them and even have them email you specific situations discussed.

**Geplaatst**: 06-04-21 15:55

Geplaatst: 06-04-21 15:55

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Laatst bijgewerkt door divided op 23-05-24 13:53, in het totaal 1 keer bewerkt

**Geplaatst**: 06-04-21 17:54

Geplaatst: 06-04-21 17:54

LunarEclipse schreef:
Blacky94 schreef:
I'm not sure if there is a insurer that covers sport and spel specifically. Some insurers offer a sport en spel clause you can opt-in on but it's probably best to call your insurer to try and figure out what is and what isn't insured.

Also, I said your health insurance will cover medical costs. I just remembered something my stable-owner told us the other day. I'm not exactly sure what happend but the insurance came after them for medical expenses cause the girl suffered injuries caused by their horse. So they had to pay to cover. Would it have been her own horse tho, the medical expenses would have been covered by her own insurance. But I've been at my hospitals ED/A&E before after a kick from a bijrijdpaard without any problem (years ago tho) so I guess it also depends on your own health insurance. Actually, I've even been at my own HAP last october/november or so after a pretty hard fall. Never heard anything from that either.

What is covered under insurance A won't always be covered by insurance B so if you have any questions it's probably best to call them and even have them email you specific situations discussed.

I had the something similar with my bijrijdpaard. Suffered a fall that ended up in a hospital trip and I think in the hospital statement they mentioned that I fell from not my own horse, the health in surance wanted to recover the costs on the AVP of the horse owner. My sister experienced the same thing with her bijrijdpaard. But in your case they tried to recover it from the owner itself (the person) and not their AVP?

I never asked for details but from what I understood, yes, the owner himself had to pay. Not sure if he has an AVP. Can't imagine he hasn't tho, since he runs the place and has several horses himself...