Exactly that. If I were being picky, I'd point out that the difference in material of the leather-like strip and the saddlepad itself stops the centre of the pads from lying as flat as it should be - but of course, once the saddle is on this, it flattens - as I said, if I were being picky! It's even got the velcro straps in the front for the upper part of the girthstraps for those that like to have them.