What age does my horse have to be in order to be covered by the horse insurance policy?
Our horse insurance policy covers all horses aged from 31 days old. It covers horses up to 19 years & 364 days. At the first annual policy review after the horse is 20, the policy will automatically transfer to the Veteran Horse Insurance policy.
Are there any age limits for the rider of the horse?
Any rider of the horse must be between 5 & 75 years old.
What is the maximum value that you insure a horse?
A horse can be insured for up to £15,000.
How long can I claim vet's fees for?
If vet's fees has been selected, claims for treatment given for an injury or illness are covered for up to 365 days from the onset of the claimed condition or up to the maximum recoverable, whichever is first.
What are the options for vet's fees?
There are three options: you can elect not to include vet's fees on your policy; you can elect vet's fees for external visible accidental injury only; or you can elect vet's fees for illness and injury.
Does your policy cover if my horse is ridden by someone else?
Cover is provided for anyone with your permission aged 5 to 75 years riding, leading, handling or caring for your horse. Public Liability cover excludes death or bodily injury, loss or damage to any property owned by you, any person handling your horse with your permission or consent, any person that lives with you, any member of your family, your agent or licensee, any person in the course of their employment or under a contract of service or apprenticeship with you, guest, employer or any person with whom you have a contractual or business relationship.
What does Personal Accident mean?
You sustain an accidental bodily injury as a result of riding, leading, handling or caring for your horse and the injury does, within 12 months, result in death, total and irrecoverable loss of hearing, sight or limbs or total permanent disablement.
I have an existing medical condition, will this affect my ability to claim?
You are obliged to inform us of any medical condition that you have which might affect your policy. The insurer will advise you at the time you take out your policy how your condition might affect your cover.
What should I do if anything happens that could result in a third party claim against me?
Most importantly you should not admit any responsibility, agree to pay a claim or negotiate with any other person after any incident. You should contact your insurance company and allow them to take charge of your claim. You must send them any writ, summons or legal documents you receive and allow them to act and reply on your behalf.
What is the excess on the horse policy?
An excess applies to claims under the following sections of cover:
- Vet's Fees:
- External, Accidental, Visible injury only: £160 fixed excess
- Illness and Injury: £160 fixed excess plus 17% of the remaining vet's fees
- Saddlery & Tack: £85
- Public Liability: £250
How do I protect my saddlery and tack from theft or damage?
When not in use, please click here for our security requirements for saddlery and tack.
Are there any requirements for vet certificates and x-rays when a policy is taken out?
A 5 stage vet certificate is required for all horses valued at £5,000 or more. The certificate must be no more than 2 months old. If the horse is unbroken, a 2 stage vet certificate may be supplied instead.
If the horse is valued at £10,000 or more, in addition to a 5 stage vet certificate, we also require x-rays of the forefeet, fetlocks and hocks, no more than 2 months old.
Will you want to see the horse's body in the event of my horse's death?
No, however, you must arrange and pay for a vet to certify the cause of death. The vet must make a post-mortem examination at your expense if the cause of death is unknown.
Do I need to get your company's agreement before my horse is destroyed?
This depends on the circumstances. Vets follow strict guidelines issued by the British Equine Veterinary Association (BEVA). These guidelines state they should not delay procedures by contacting the insurance company if they feel that the horse should be destroyed on immediate humane grounds. However, if effective treatments can be given, your vet must notify the insurance company that destruction may be necessary.
What do I have to do if my horse or my saddlery and tack is missing?
You must tell the police immediately upon discovery that your horse or your saddlery and tack has been stolen or is missing and obtain a crime reference number. Once this has been done the crime reference number and details need passing to us as the insurance company. You must do everything you reasonably can to recover your horse or your saddlery and tack.
Am I covered for competing with my horse?
Yes, the policy allows you to compete - ensure that you select the appropriate type of use activities when going through the quotation.
Can I take my horse overseas?
Yes, if you have chosen to include the 'European Use' Optional Benefit. The cover provided in sections for death/theft/straying, vets fees (if chosen), transportation & livery-referral vet only (if chosen) and Loss of Use (if chosen) would be geographically extended to the continent of Europe (including sea crossings).
Is the dental treatment for me or my horse?
You can elect to include dental treatment for the rider following a bodily injury to their mouth and/or teeth as a result of riding, leading, handling or caring for your horse.
If you have elected to include vet fees, this would also cover vet fees for an injury to the mouth/teeth of your horse however the policy does not cover any costs due to tooth or gum disease or wolf teeth.
Does the policy cover physiotherapy for my horse?
Yes, if you have elected to include vet fees on your policy, this section of cover includes complementary treatment. Complementary treatment of acupuncture, homeopathic or herbal medicines, hydrotherapy, laser treatment, physiotherapy, remedial farriery or ultrasound are included for the treatment of a condition covered by this policy, if recommended by your vet.
What does permanent loss of use actually mean?
Permanent loss of use therefore means the insured horse can never again be used for any of the elected activities you originally insured it for.