I take your point. But, there’s always a but, if I read the policy word for word and pony riding isn’t mentioned, do I then take the insurance anyway and be left in the position of guessing whether I can ride a pony or not? Of course, it’s not just pony riding, I effectively have to guess whether ANY activity may or may not be covered. The point being that I personally would guess that pony riding would be covered as it just doesn’t seem that extreme in the slightest. So the worth of insurance is for whatever is specifically mentioned as being covered. And that often isn’t much because insurance companies prefer to detail benefits, and exclusions, and then add a blanket exemption clause. Very rarely do they detail specific activities being included as part of a general policy. So Mr consumer, guess whether you are covered or not. I’m not a fan of insurance tbh, I prefer to self insure when I can. Other wise I am paying for the risks others run. Need to have the dosh to back that up of course
