It's all so very confusing!

What type of insurance do you need if you loan a horse?

Something that covers the horse if someone else rides it (its for my friend and I ride sometimes).

I have no idea about this as Ive never had it before so I don't know if it varies depending on what you do but she will need insurance for riding on public roads/woodlands and events.

Can anyone help?

Then does she need and do I need seperate rider insurance? Agh I am so confused!