Bribery of Local Government Politicians Pauperization of Pensioners and the Middle Class
Hundreds have decided to go out of business in the past few years, partly due to a sharp rise in the cost of public liability insurance. That, in turn, had been driven up by the increasing claims being paid out to people who had been injured while out riding. But recent court cases have started to reverse that trend, and insurers now say that well run riding schools should have no trouble getting a competitive quote.
She has been in business for 40 years and runs her school and livery shop in the Gloucestershire village of Stanton. The High Court disagreed and said it had simply been a dreadful accident and had not been caused by a negligent act of the instructor.
While relieved, she stresses that riding is still clearly a high risk sport. But not all riding school owners have been so lucky. Closing down According to the Association of British Riding Schools, about have shut down in the past four years, bringing their numbers down to 1, Inthe House of Lords delivered a judgement in the case Mirvahedy v Henley of a motorist who was injured in a car crash.
A horse had escaped from a field and bolted across a dual carriageway, colliding with a car and causing the driver serious injuries. However the impression spread that claimants would almost always win a claim for damages involving horse riding accidents and that such claims could not be defended.
The result was that the number of claims rose, some speculative, and so did the cost of insurance. The situation is now changing. Solicitor Jane Phillips specialises in defending such claims and has done so successfully in 18 cases in the past three years.
Precautions Riding schools can do quite a lot to improve their chances of defending a case. Are stables now unsafe for learner riders? The first is the most obvious - ensure that riders wear hard hats and body protectors and follow the rules laid down by local authorities for their licenses.
But the courts and insurance firms also advise paying close attention to paperwork. But if you are learning to ride, handling a horse and building up your confidence is all part of the experience.
Ken Law, a professional health and safety advisor, runs a website aimed at the equestrian industry called Riding Safely.
He says all these developments have had an inhibiting effect on how customers are allowed to behave and what they are allowed to do. Ms Carenza worries that a popular sport - more than three million people ride regularly - will be damaged.The latest Tweets from BBC News (World) (@BBCWorld).
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