A riding participation is a contract between the owner and the rider. In everyday language, the term riding participation is also used for the person who exercises the right of use. There are various reasons for participating in riding. The two main ones are lack of time and money on the part of the owner. In contrast to a community of owners, in which several people have the real right to the horse, a riding participation relationship is solely a contractual relationship between the parties involved.
Be distinguished from a riding participation must be the case in which the owner of the horse rented , as for example in school horses is the case, and the horse training , in which the rider for his work with the horse a fee receive.
Liability and insurance in German law
If no contract is concluded for the riding participation, the owner of the horse is liable for any physical, property and financial damage caused by his horse, even if it occurred during the use of the horse by the riding participation.
Occasional use of a private horse
The occasional and unpaid use of a private horse is covered by the animal owner's liability insurance , provided that the risk of third-party riders is included. This is the case with most policies. In this case too, however, it is an advantage for the owner to write down the requirements for handling the horse and the clarification of liability in the event of damage.
Regular use of a private horse
There are liability insurers who offer insurance protection against the so-called foreign rider risk (sometimes also guest rider risk ), even with regular free use . Participation in riding is not, however, an external rider, which is defined by the one-off, occasional or irregular use of a private horse, but is treated on an equal footing with the animal owner with regard to the question of liability for damage caused by the horse. This means that it cannot take recourse against the pet owner for any damage that has occurred (this exclusion of liability does not extend to the social insurance carriers, which usually turn to the pet owner's liability insurer).
- Information sheet on the legal background of riding participation (PDF file; 101 kB)