“So very thankful I took insurance out”
By Abby Wilken at Protect My Income Most of us live with the notion that serious accidents or injuries “will never happen to me”...
But with an average of one incident involving riders happening every day it’s worth thinking about getting yourself and you’re loved ones protected.
Protect My Income client, Neil is a horse trainer and instructor as well as professional and successful event rider based in Cheshire. In June 2018, whilst competing at the Aske Hall British Eventing Horse Trials he found himself in some trouble. As Neil took part in the cross-country event his horse, Tradhearg Cool Joules (Joules to his friends), clipped his left knee on one of the fences forcing him to catapult over his shoulders and onto Neil himself. Neil was trapped underneath the horse for a further four minutes before being rescued and later discovered that he had sustained a fractured shoulder blade.
Fortunately for Neil, he had taken out Income Protection earlier in the year and is receiving his monthly Income Protection payouts whilst he is still unable to work, making it much easier for him to carry on paying his rent, regular staff and additional staff needed at his yard whilst he still recovers.
What exactly is Income Protection?
Income Protection is a long-term policy that replaces your income should you be unable to work due to injury or illness. It ensures your income doesn’t halt during the more troublesome moments in life and provides you with an ongoing source of cover that protects you until you are able to go back to work or retirement age if required.
Why do I need it?
It’s not something any of us like to think about but as we get older and our responsibilities increase, it’s important to stay protected and Income Protection is the one insurance policy you need if you can’t afford to replace your income should you get sick or injured.
It’s no surprise that horse riding is considered one of the most dangerous sports in the world and a quick Google search will uncover a wealth of stories and news articles all centered on riders injuring themselves. Some horse owners and riders will have a minimal accident policy included within their membership packages, but these can often be misleading and may not provide you with the benefits you actually need to avoid any unnecessary debt.
What do I need to do?
We make Income Protection simple and in as little as 30 minutes, our insurance specialists can put forward your application letting you get back to enjoying your life knowing you and your family are protected from anything life may throw at you.
If Income Protection sounds like something you’re interested in and you would like to discuss the best options for you and your personal circumstances you can visit our website www.protectmyincome.com and fill in a quote form, message us via our Facebook page www.facebook.com/pmi.insurance or call the office on 0333 355 2468.