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Third Party Liability Insurance

• All ROA members receive automatic third party liability insurance cover (up to a limit of liability of £10 million) against potential damages if a racehorse they own causes damage or injury to a third party.
   
• The ROA introduced this scheme as owners are currently vulnerable to claims even when their horse is in someone else’s possession.
   
• Recent tragic accidents have left many owners concerned about the risks of a claim – potentially running into millions of pounds – being brought against them by a third party for which they have inadequate protection.
   
• The law may define a racehorse’s owner as any individual who has a financial interest in that horse, so all members of a racing partnership should be mindful of their potential exposure to that risk.
   
• The ROA members’ third party liability insurance scheme applies to horses in training, horses being prepared to go into training and horses temporarily out of training.
   
• Terms and conditions apply.

Visit the ROA members' Third Party Liability Insurance scheme page for full policy details.

Please note: Only ROA members are eligible for this benefit