Co-rider Agreement Horse 2026/2027 – Riding & Care Schedule, Insurance and Excel | Word/PDF

Co-rider agreement for horses – Word, PDF, and Excel with riding and care schedules

Do you need a co-rider agreement template that clarifies daily life for both horse owners and co-riders? This package includes an editable agreement for private co-riding, separate routines for riding sessions, care, costs, insurance, equipment, and incidents, as well as an Excel workbook with nine tabs. The material is designed to promote good communication, safe handling, and traceable follow-up of actual activities.

Digital delivery: 15 files in a ZIP archive: 7 Word (DOCX), 7 corresponding searchable PDF (A4), and 1 Excel (XLSX). Five Swedish main templates, one Swedish user guide, and a dedicated English User Guide. No subscription and no physical shipping.

How to use the co-rider agreement – 10 steps

1. Identify the parties and the horse. State the horse’s name and proper identification, the owner, and the co-rider.
2. Determine the appropriate agreement form. A private co-riding arrangement differs from, for example, a horse lease, stabling, horse purchase, or work for compensation.
3. Establish riding rights and schedule. Decide on the number of days, times, trial periods, and any restrictions.
4. Check the horse’s needs. Document health status, known limitations, and terms for rest, feed, and supervision.
5. Describe permitted activities. Explicitly state conditions for trail riding, jumping, lessons, competitions, and transport.
6. Check safety and insurance. Verify actual coverage in the correct insurance policy before riding begins.
7. Clarify payment. Specify any fees, due dates, cancelled sessions, and requirements for approving additional costs.
8. Plan the care. Use the riding and care schedule with instructions for the day.
9. Sign. Both parties agree to the main contract. For minors, check required guardians/authority.
10. Follow up and terminate. Register actual activities performed, deviations, payments, and return of equipment.

Legal and practical limitations

Animal welfare and the horse’s well-being

The Animal Welfare Act (2018:1192), particularly chapters two and four, sets requirements for supervision, proper handling, and necessary care. A private agreement cannot override these requirements. Suspected injury, illness, or overexertion should lead to appropriate measures and potential veterinary contact – not to the horse being ridden just because a schedule says so.

Insurance, personal injuries, and liability

Horse insurance typically covers veterinary care and potentially life insurance. The co-rider’s personal insurance and any liability protection are separate matters. Damage to borrowed equipment, the horse itself, and third-party property may be subject to exclusions. No insurance guarantees are included in this template. Any liability for damages is assessed based on actual circumstances and applicable law.

Minors, agreement forms, and business activity

If the co-rider is under 18, authorized representatives must be involved, and appropriate supervision and safety ensured. In the case of systematic rental or services for payment, other contractual, business, and consumer rights issues may apply. The template is primarily designed for private co-riding.

Related horse agreements and documents at Mallbutiken

Do you need to sell or buy a horse instead? See the horse purchase agreement or deposit agreement for horses. These have other applications and are not included in the co-rider agreement package. More related products can be found under Horse Agreements & Purchases – Templates.

Frequently asked questions about co-rider agreements

Must a co-rider agreement be in writing?

There is generally no specific formal requirement for this type of private co-riding agreement, but a written document makes it easier to demonstrate what the parties have agreed upon regarding times, costs, safety, and liability.

What should a co-rider agreement contain?

Identify the parties and the horse, the scope of the agreement, permitted activities, care, fees, insurance, injuries, termination, and how you handle cancelled sessions and changes.

What does it cost to have a co-rider?

There is no general fee. The parties can agree on an amount or a fee-free arrangement. Clearly document what is included and how paused riding or additional costs are handled.

Can the co-rider ride at their own risk?

Riding involves risks, but such a phrase does not create unlimited release of liability for any party. Check insurance, safety routines, and applicable law. The template does not contain any automatic full waiver of liability.

Is a riding and care schedule included in Excel?

Yes. Both a separate Word/PDF annex and an Excel register for planned/completed riding sessions, care, payments, costs, equipment, and incidents.

Can I use this template for a horse leaser (fodervärd)?

Not without substantial customization. A leasing arrangement often implies a different and more extensive responsibility for possession, feed, costs, and care.

Can I get the agreement in English?

An English User Guide is included. The five Swedish main templates have not been translated into English.

Is the package approved by a lawyer or insurance company?

No external legal review, authority certification, or insurance company approval is claimed. The package is based on an editorial review of sources and needs to be adapted to the actual agreement and current insurance terms.

Legal sources and version

Editorial source review: October 15, 2026. Version: 1.0 (2026/2027). The year 2027 is a version designation and not a claim about established future legislative changes.

• Animal Welfare Act (2018:1192)
• Contracts Act (1915:218)
• Konsumenternas – Horse insurance
• Swedish Equestrian Federation – Insurance