Horse Insurance - Frequently Asked Questions (Use your browser to return to the Horse Insurance Premium Calculator or CLICK HERE)
What will you use the horse for?
Class A = Hacking, Dressage, Gymkhanas, Pony Club (excluding Racing), Riding Club, BHS Le Trec, Non-Thoroughbred broodmares, Stallions at Stud, Unaffiliated Novice and Intermediate Showjumping, Novice Hunter Trials, Driving (excluding cross country and Trials), Showing in Hand or Under Saddle, Foals over 30 days and Heavy Horses (Not Working).
Class B = As Use A with the addition of Hunting, Pony Club Racing, Unaffiliated Open Showjumping, Showjumping Under BSJA rules, Open Hunter Trials, BE Affiliated Eventing (up to and including Intermediate), Combined Training, Long Distance Riding, Vaulting, Driving(including Cross Country/Trials) and Heavy Horses (Working)
Do You require Personal Accident cover?
Personal Accident to the Rider - Covers Death or Total Disablement and/or Loss of one or more limbs or both eyes maximum Benefit £20,000 (Benefit for Persons aged 16 years and under will be limited to £10,000). Dental Treatment up to £1,000. Not included when the horse is being used by a riding establishment
Level of vets fees required
Veterinary Fees - Covers fees resulting from accident, illness or disease.
Cover I = £3,000 per period of insurance. Excess £95 or 15% whichever is the greater for each and every claim.
Cover II = £5,000 per incident. (Maximum any one period of insurance £10,000). Excess £125 or 15% whichever is the greater for each and every claim.
Cover III = £5,000 per incident. (Maximum any one period of insurance £10,000). Excess £500 for each and every claim. Includes up to £1,500 in respect of alternative treatment if recommended by a Vet.
Cover commences 14 days after acceptance of the proposal in respect of illness and disease.
Do you require cover for Saddlery &Tack?Saddlery and Tack - Covers loss by fire, accident and theft following violent and forcible entry to or exit from a building which is locked by a patent five lever mortice deadlock. The following options are available:-
Cover I = £1,000 per period of insurance. Excess £100 or 10% whichever is the greater for each and every claim.
Cover II = £2,000 per period of insurance. Excess £120 or 10% whichever is the greater for each and every claim. Unspecified item limit of £350.00. Policy excludes clothing and personal effects.
Permanent Loss of Use Cover?
Permanent Loss of Use - will pay 100% of the Sum Insured or Market Value whichever is the lesser if the Insured horse is permanently totally incapacitated, or 60% where the Insured horse can be used either for breeding or general hacking, etc. This is subject to suitable veterinary evidence. Cover commences 30 days after acceptance of the proposal form.
Do you require cover for stable loss?
Stable Loss - will pay up to a maximum of £500 for the cost of alternative stabling following total destruction of the Policyholders stables, as a result of fire, flood, storm or malicious damage only.