1 Horse Power

Discussion in 'Driving/Incidents/Roadrage' started by Chattonmill, Dec 29, 2008.

  1. Chattonmill

    Chattonmill Hardcore MB Enthusiast

    Messages:
    1,498
    Joined:
    Mar 20, 2008
    Location:
    Northumberland
    Car:
    S211 E55 AMG
    MIL was going past a hunt on Christmas Eve behind two other cars, she heard a bang and looked in her rear view mirror to see a horses belly:eek:
    The rider had tried to go past her for some reason and the horse had taken fright, gone up in the air and landed on the rear window.
    Thankfully she didnt have the grandkids in the back otherwise there could have been some serious injuries.
    Made the familly meal more bearable as we had something to talk about...... ever cloud has a silver lining:rolleyes:
     
  2. Howard

    Howard MB Club Veteran

    Messages:
    18,624
    Joined:
    Apr 23, 2004
    Location:
    Toad Hall
    Car:
    CLS 500 / A 150
    Do horse people have insurance ? who is going to pay for the damage to her car ?
     
  3. OP
    OP
    Chattonmill

    Chattonmill Hardcore MB Enthusiast

    Messages:
    1,498
    Joined:
    Mar 20, 2008
    Location:
    Northumberland
    Car:
    S211 E55 AMG
    Not sure about individuals, but this guy is a Pro Jockey so I assume will have, it now transpires that the hunt will pay for it, although I think his FIL is going to stump up instead as his MIL is a Master.
    To confuse things further My SIL works for the riders FIL so who is going to pay? Not sure, but certainly not my MIL!
     
  4. neilrr

    neilrr MB Club Veteran

    Messages:
    6,236
    Joined:
    Jul 20, 2004
    Car:
    Various.
  5. Beetnik

    Beetnik Hardcore MB Enthusiast

    Messages:
    538
    Joined:
    Jun 22, 2008
    Location:
    Yorkshire
    Car:
    Volvo V60 2.4 bi-turbo: SLK 200
    I can see the headline now "Hunt Saboteur reverses car into innocent horse"
     
  6. OP
    OP
    Chattonmill

    Chattonmill Hardcore MB Enthusiast

    Messages:
    1,498
    Joined:
    Mar 20, 2008
    Location:
    Northumberland
    Car:
    S211 E55 AMG
  7. Howard

    Howard MB Club Veteran

    Messages:
    18,624
    Joined:
    Apr 23, 2004
    Location:
    Toad Hall
    Car:
    CLS 500 / A 150
    Seems harsh , imagine if you didn't have fully comp insurance ...

    The rider should be in control of her animal , if it damages your car , due to her failure to control it , why should i ( or anyone else ) have to pay for the damage ?

    If you can't control it , it shouldn't be on the road.
     
  8. Pontoneer

    Pontoneer MB Club Veteran

    Messages:
    12,426
    Joined:
    Aug 19, 2002
    Location:
    Ayrshire
    Car:
    '93 190E 2.3LE W201 ; '93 300SL-24 R129
    It should equally be just as much of an offence to be 'drunk in charge' of an animal on the highway as of a vehicle - though it may be argued that the animal and not the rider was the one in charge . It may have been the case that if the police were called out to the incident , both parties could have been breathalysed , as is routine , and if the rider was found to be intoxicated it would make negligence easier to establish .

    I'm pretty sure there have been past cases of people drunk in charge of horses , horse & carriage combinations and even bicycles - but it may just be folklore .
     
  9. OP
    OP
    Chattonmill

    Chattonmill Hardcore MB Enthusiast

    Messages:
    1,498
    Joined:
    Mar 20, 2008
    Location:
    Northumberland
    Car:
    S211 E55 AMG
    She didnt call the Police because of the connection to the familly, but had she been a random passer by I think he would have been in trouble for the drink.
    Scary for a 68 year old though..
     
  10. x332race

    x332race Hardcore MB Enthusiast

    Messages:
    1,107
    Joined:
    Dec 10, 2005
    As a horse owner and rider, I make sure that I have 3rd party insurance for such eventualities and most other owners/riders I know will have similar cover...horses can be unpredictable and it is impossible to guarantee what they will do however well they are trained.

    I do not know the ins and outs of the law in respect of liability in such a case but I would have expected the horse/rider to be responsible for costs. However, Honest John usually gives good advice...I would speak the the insurers of your car and the horse to see what they say in this instance.
     
    Last edited: Dec 29, 2008
  11. OP
    OP
    Chattonmill

    Chattonmill Hardcore MB Enthusiast

    Messages:
    1,498
    Joined:
    Mar 20, 2008
    Location:
    Northumberland
    Car:
    S211 E55 AMG
    Luckily the costs are going to be covered by the FIL or hunt, if it was down to the insurance then they would write the car off (E reg Saab) But it is worth more to her with all the dents than the 50p she would get get from the insurance!
     
  12. BTB 500

    BTB 500 MB Club Veteran

    Messages:
    18,440
    Joined:
    Aug 7, 2005
    Location:
    Berkshire
    Car:
    R129 SL500, W639 Vito 120, S203 C230
    I've never understood why kids that are too young to have a moped can legally ride a large horse on the road.
     
  13. Dieter

    Dieter Hardcore MB Enthusiast

    Messages:
    457
    Joined:
    Dec 30, 2002
    Location:
    Kent
    Car:
    2009 Jaguar XF 3.0D 'S'
    Hi,

    An amusing story with a happy ending.......but what does FIL, SIL, MIL etc. :eek: mean....I expect it's obvious once you know ;)

    Cheers,
     
  14. OP
    OP
    Chattonmill

    Chattonmill Hardcore MB Enthusiast

    Messages:
    1,498
    Joined:
    Mar 20, 2008
    Location:
    Northumberland
    Car:
    S211 E55 AMG
    Father in Law etc.....
     
  15. Beetnik

    Beetnik Hardcore MB Enthusiast

    Messages:
    538
    Joined:
    Jun 22, 2008
    Location:
    Yorkshire
    Car:
    Volvo V60 2.4 bi-turbo: SLK 200
    father in law; mother in law etc
     
  16. gina2201

    gina2201 Hardcore MB Enthusiast

    Messages:
    2,792
    Joined:
    Feb 2, 2007
    Location:
    Cornwall
    Car:
    Audi A4 Quattro Avant S-Line
    I have public liability insurance (and horse insurance) whenever I go out on the road. Although I don't believe it is the law.
     
  17. neilrr

    neilrr MB Club Veteran

    Messages:
    6,236
    Joined:
    Jul 20, 2004
    Car:
    Various.
    I missed the part where it was claimed that the "fact" was "that he had obviously had a few tipples".

    Where did you see that?
     
    Last edited: Dec 29, 2008
  18. talbir

    talbir Hardcore MB Enthusiast

    Messages:
    1,692
    Joined:
    Mar 5, 2008
    Location:
    Nr Heathrow
    If the horse belongs to a club then the club will likely have public liability insurance and this will be triggered in this event.

    talbir
     
  19. poppypiesdad

    poppypiesdad Active Member

    Messages:
    86
    Joined:
    Jan 17, 2008
    Location:
    Cupar Fife
    Car:
    Vito 108 Dualiner
    Or a kid can have a pitbull on a lead

    or it could be that that is there past time and they like it

    p.s as a owner of 13 horses each one insured for third party liability which include escapes from the field, on road, private land,competitons and lessons
     
    Last edited: Dec 29, 2008
  20. BTB 500

    BTB 500 MB Club Veteran

    Messages:
    18,440
    Joined:
    Aug 7, 2005
    Location:
    Berkshire
    Car:
    R129 SL500, W639 Vito 120, S203 C230
    Only with a muzzle on.

    When I lived in Hampton Court there was an incident where a young girl was riding a horse along a busy main road in the rush hour. It bolted onto a major roundabout (Sunbury Cross, where the M3 becomes the A316), causing an accident involving a bus and a car. The girl and the horse both died.

    She was too young to be in charge of a moped, so why should she have been allowed to ride a horse in the same circumstances?

    We have a horse BTW (with 3rd party insurance), and young children who ride.
     
Tags:

Share This Page

  1. This site uses cookies to help personalise content, tailor your experience and to keep you logged in if you register.
    By continuing to use this site, you are consenting to our use of cookies.