If a character is riding a creature that causes fear or terror, then the entire combined model of rider and mount is assumed to cause fear or terror. The rider is only affected by fear and terror in the same way as the mount he is riding and any tests that are required are taken using the rider's Leadership. See the Psychology section for a detailed explanation of how this works. For example, a Dragon causes terror and so is unaffected by fear or terror - it is a huge monster and is hardly likely to be upset by smaller, less frightening creatures. A Dragon rider is also immune to fear and terror. Perched on top of a huge Dragon his courage is bolstered beyond the point where he has to worry about such things.

If a monster is subject to some inhibiting psychological effect, such as hatred or stupidity, then the appropriate tests must be made. However, all Leadership tests can be taken using the rider's Leadership characteristic. This represents the rider's ability to control the beast and impose his own will over the creature's natural instincts.

If the monster is affected by frenzy, stupidity, hatred, etc, it will carry its rider along with it, but the rider himself is not affected by the psychological reaction. So, if a monster goes stupid and is unable to fight, this does not affect the rider who continues to fight on as normal.

The same rule applies to monsters pulling chariots: any Psychology tests are taken using the best Leadership value of the chariot's crew.

Remember that a character riding a large monster does not benefit from the -1 to hit penalty when being shot at. This penalty only applies when shooting at roughly man-sized characters on foot. Also, the rider and large monster will suffer from the +1 to hit bonus when shot at if they represent a large target.