You are not necessarily automatically to blame for the damage. We have to accept that horses and ponies are unpredictable and not always controllable. The car owner has to prove that you are legally liable for the damage. Although there may be circumstances where the Animals Act places a ''strict liability'' on you, each case has to be assessed on its own merits. The Equine Division of Windsor Partners Limited will handle all aspects for you so please notify them immediately and do not enter into any discussions about the damage. If the car owner phones you, please inform them that your insurers are dealing with the matter. If he writes to you, send the letter or bills to the Equine Division at Windsor Partners Limited. The insurers will decide whether or not you are liable. If you are not liable, then you have no obligation to pay anything and the car owner needs to claim from their own insurance.

Related Links:

The Pony Club Website - Members Insurance