Yes, get the separate insurance with NFU, and not BHS. the owner will have the horse insured for if he is injured, or if he has an accident when you are riding, ie, kicks a car and causes damage, or breaks another persons fence. however, you will not be insured on that policy, and may be liable for the damage or whatever as you were responsible for the horse at the time. His tack will be covered on his policy, or check with the owner as that will be her responsibility to cover (i have had problems with uninsured damaged tack before, so make sure you know what happens if horse breaks his saddle!).
I would go with the NFU insurance, and check the policy regarding non-permanent injuries. BHS would not pay out when i had my arm broken by another horse, as it was non-permanent, despite not being able to drive for 3 weeks and potentially unable to work. The NFU insurance is about £60 ish, and is very similar in price to the gold membership of BHS, but you get more. you need to ensure it has accidental death, permanent and non-permanent injury cover, third party liability, loss of sight or limb, dental treatment and legal cover, if possible.
Last edited by Rojeth; 17th Jan 2007 at 11:47 PM.