Speeding doesnt really bother anyone though, and I dont think I know any car drivers who regularly ignore red lights or 1 way streets ..........
The missus rides a horse BTW, and while Im not a great fan at least they usually travel in single file, you might annoy them but youre unlikely to pile into the back of one because youve got nowhere else to go
Do you need to be insured in some way to ride a horse on the public highway?
Nope, get on and off you go. It isn't even a requirement to wear a skid lid. They advise that you do the "riding and road safety" test, but it's not mandatory and it's pretty rubbish anyway as they never take you on real roads.
You are required to have a horse passport though and if you don't have an insurance policy you're an idiot as a seemingly small thing on a horse can add up to several thousand pounds to get put right.