Insert Workshop

This is an example of an insert edit. An insert edit places a clip and moves the clips that follow to the right, so you don’t record over clips in the timeline. To do this, you drag the clip from source panel to the timeline and then hold the CTRL key and place the clip in the desired location. I decided to insert the 2nd clip where I did because it went from the first rider then to his/her friend after talking, then back to the first rider about to jump the second hurdle
The difference between an overlay and an insert edit is that an overlay places a clip and records over it while an insert splits the original clip in two. You would use an overlay when you want show that time is continuous, while you’d use an insert edit when you're breaking the time. In this case the overlay edit works better because it shows that the horse is about to jump the next hurdle while the rider's friend talks to them and the camera shifts to their face.