A post-mortem from forensic pathologist Dr John Rutherford in 2009 concluded the medical cause of death was from drowning.
Expert witness John Stevenson, of Reporoa, an elite coach for New Zealand Endurance Riding, gave evidence on the behaviour of horses when crossing rivers.
He said he would not personally attempt to turn a horse in water, and if he did he would by turning it upstream, as by turning it downstream the horse's tail would have been washed in underneath the horse's back legs, spooking the horse.
Mr Smith, said there was no need to make any recommendations.
"Ms Bain made the decision to cross the river knowing the risk involved. She was a competent horsewoman, however she could not swim.
"It is difficult to cross a swiftly flowing boulder or rocky bottom river on foot and it is equally difficult for a horse. If either a horse stumbles and falls, or a person stumbles and falls, it is very difficult to regain footings and there is a significant danger that both horse and person will be swept into deeper water as what occurred here.
"Tragically for Ms Bain she could not swim and drowned."
 
- Herald Online