What NZPCA Covers
What is covered:
NZPCA’s national insurance policy provides General Liability cover for activities run under the NZPCA umbrella.
It also covers national-level assets, such as trophies and digital equipment.
This insurance applies to sanctioned Area, Club, and Branch events and activities where all NZPCA regulations are being followed.
What is not covered:
Assets owned locally (such as buildings, land, jumps, and equipment held by an Area, Club, or Branch) are not covered. These must be insured separately by the legal entity that owns them.
The policy does not cover casual or informal use of grounds or facilities, including use by members, non-members, or coaches operating independently.
Private lessons, clinics, or other non-NZPCA activities held on club grounds are not covered unless run as official, regulated Pony Club activities.
Important reminders:
NZPCA insurance only applies when all NZPCA regulations are strictly followed, including General Regulations and Membership Regulations.
If Casual Members are involved in an event, they must complete the appropriate form for cover to apply.
Who is covered:
Riding and Adult Members
A current financial member, registered on the National Database, with your National Levy paid via Nominate; or
A Casual Member, with the correct form completed specifically for that event.
⚠️ Important: If a rider, adult, or guardian is not a current financial member and has not completed a Casual Membership form, they are not covered by NZPCA insurance.
For example, if your horse damages a car at a rally and you are not a current member, you may be personally responsible for the costs.
Coaches
You’re insured if you are:
What’s covered:
- Public liability while coaching
- Personal accident cover
- Accidental property damage
⚠️ Not registered or financial?
You’re not covered. For example, if a horse you’re coaching damages a vehicle, you may be personally liable.
For any further clarification, don't hesitate to get in touch with the NZPCA office
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