Pony and Riding Club Insurance

Pony & Riding Club insurance

KBIS offer a flexible insurance policy for branches of the Pony Club and Riding or Driving Clubs, including non-affiliates, to cover Property, Liability and Personal Accident insurance.

The Property section of the policy can include insurance cover for both owned and hired property as well as the option to include cover against vehicle damage (caused by a horse).

“Ensure your club’s property is protected against loss or damage, cover can be included for both hired and owned equipment.”

The Personal Accident section of the policy can include cover for club members, when riding at a club event, and also for instructors, officials and voluntary helpers.

For Riding Clubs which are non-affiliates to British Riding Clubs (BRC) and therefore do not receive liability insurance under the BRC membership scheme, we can provide an insurance policy to cover Public Liability and, if needed, Employers Liability.

We can also provide specialist Event and Show insurance, including event cancellation insurance for any shows you are running.

Get A Pony & Riding Club Insurance Quote

Features & Documents

Pony & Riding Club Insurance – Request a Quote

To obtain a quote you can either complete a proposal form or contact us by phone.

Complete a Proposal Form

You can complete an online proposal form which will be submitted directly to our office and a quotation will be emailed to you as soon as possible. Alternatively, there is a PDF copy avaliable for you to download and complete. We will respond

Contact Us

Call us on 0345 230 23 23 and select option 4.

View our office opening times.

Pony & Riding Club Insurance – Cover Available

Property Insurance

You can include cover for property owend by the branch or club as well as including items which are temporarily on hire such as PA systems.

For property owned, such as trailers, showjumps, trophies, and dressage boards, cover is included for physical loss or damage, including if it is on hire or being lent out to a third party.

Equipment should be insured for its current market value taking into account depreciation as in the event of a claim you will be reimbursed the cost of a new replacement less a deduction for wear, tear and depreciation.

For hired in equipment cover is for ‘replacement as new’ and so the sum you insure for should be for the full new replacement cost. Cover is on a temporary basis, up to 30 days per year.

Damage to Vehicles At Events

Cover is provided for any external physical damage to a vehicle that was caused directly or indirectly by a horse or pony. The policy includes vehicles that belong to committee members, accredited officials or trainers, for incidents that have occurred at an official club event/activity.

Personal Accident Insurance – Pony Clubs

Members personal accident insurance includes cover for club members whilst attending an official pony club activity, whether that is at a club show or training/clinics.

Cover is included for permanent total disablement, that is an injury which leaves the member entirely unable to carrying out their usual occupation or if in full time education, leaves them unable to perform the normal activities of a healthy person of a similar age and experience.

Cover can also be included for instructors, officials and volunteers when they are officiating, stewarding or instructing at an official pony club event. Cover includes such activities as course building, both show jumps and cross country fences, as well as when travelling to and from official events. Cover includes temporary total disablement (for persons over the age of 17) which is a weekly benefit should they suffer and injury which leaves them temporarily unable to carry out their normal occupation.

Personal Accident Insurance – Riding & Driving Clubs

Members personal accident insurance includes cover for club members whilst attending an official pony club or riding club activity, whether that is at a club show or training/clinics.

We offer three levels of cover to choose from, scale A to scale C, two of which include cover for temporary total disablement (TTD). TTD pays a weekly benefit should the member suffer and injury which leaves them temporarily unable to carry out their normal occupation.

The benefits of each of the cover options are outlined in the table below:

	Scale A	Scale B	Scale C
Accidental Death	£5,000	£10,000	£25,000
(under the age of 16 years)	£5,000	£5,000	£5,000
Total loss of sight of both eyes	£5,000	£10,000	£25,000
Total loss of sight of one eye	£2,500	£5,000	£12,500
Loss of two limbs	£5,000	£10,000	£25,000
Loss of one limb	£2,500	£5,000	£12,500
Total loss of sight of one eye and loss of one limb	£5,000	£10,000	£25,000
Permanent Total Disablement	£5,000	£10,000	£25,000
Temporary Total Disablement (per week)	£50	£100	Not covered

Cover can also be included for instructors, officials and volunteers when they are officiating, stewarding or instructing at an official club event. The same benefit scale is offered.

Public Liability – Riding & Driving Clubs

Public liability insurance provides cover against bodily injury to third parties or damage to third parties property. Cover is automatically included for the following:

Personal Liability for members when at club events Member to Member Liability, injury to members or their horses caused by another member whilst at a club event. All social and fund raising activities carried out by the club Products Liability, caused from products sold or supplied at club events, including food and drink

There are three levels of cover (limits of indemnity) to chose from – £1,000,000, £2,000,000, or £5,000,000.

Employers Liability – Riding & Driving Clubs

Employers Liability insurance provides cover against bodily injury to anyone employed by the club, whether full time, part time or paid in kind in respect of any bodily injury sustained by them as a result of the clubs negligence. Cover is included up to £10,000,000.

If you wish to take out employers liability then it must be taken out in conjunction with public liability.

Policy Documents

View Policy Documents

Pony & Riding Club Insurance – Claim Forms

Should you need to make a claim on your policy it is important that you notify KBIS as soon as possible.

The following guide will help to ensure that you have complied with the terms of your policy with regards to claims notification. It is important to adhere to these conditions as failure to do so may prejudice your position with underwriters.

Initial notification

If the claim is in relation to a commercial combined insurance policy then you should contact KBIS. If the claim is in relation to your vehicle insurance then you need to contact the underwriters, Equity Red Star (ERS), via their claims helpline

Phone:

UK Telephone No: 0345 345 2323
Outside UK: +44 (0) 1635 247474

View our office opening times.

Email:
ask@kbis.co.uk

Initial notification

If the claim is in relation to your vehicle insurance then you need to contact the underwriters, ERS, via their claims helpline number 0330 123 5991.

Obtain a Claim Form

You can download both a Farriers Liability Claim Form and a Farriers Property Claim form above

If you have contacted our offices we can arrange for a form to be sent by post, including a free post envelope for the return of your form and documentation

Collate all necessary information

In order for us to process your claim in the most efficient manner it is important that we have all of the relevant documentation, as requested, to enable us and the underwriters to consider the claim in its entirety.

Send the completed claim for and documentation to KBIS

Please note that we are unable to give any indication whether a claim is likely to be paid without the completed claim form and invoices.

Frequently Asked Questions

How much should I insure the club’s property for?

Equipment owned by the club should be insured for its current market value taking into account depreciation as in the event of a claim you will received the cost of a new placement less a deduction for wear, tear and depreciation.

It is not necessary to specify and list each item to be insured individually, but instead to state the total sum to be insured for owned equipment and the total sum to be insured for hired equipment. Therefore if additional equipment is purchased during the policy period you only need to notify KBIS if the total value at risk exceeds the current sum insured.

For hired equipment it is important to insure for the full cost of a new replacement as under this section of the policy cover is for ‘replacement as new.’ Before insuring any hired equipment first check that the insurance for the equipment is your responsibility. In some cases insurance cover may be included in the hire fee.

Does the equipment need to be locked away?

If the policy covers caravans and/or trailers you will need to comply with the insurer’s security requirements. This means that the items should be secured with a hitch lock and wheel clamp when not in use.

All other equipment should be kept in a secure place when not in use, such as a locked building, storage unit or suitable trailer.

KBIS understand that there are times when equipment (excluding caravans and trailers) has to be left unsecured overnight such as when you’re preparing for an event.The policy will cover these items whilst left in the open but subject to an increased excess.

Our team will be able to advise you of the specific policy requirements if you have additional queries.

Do I have to pay an excess?

You will have to pay an excess when claiming under the property section of the policy. The excess will vary depending on the property being claimed for and the security measures that were in place at the time of the loss. The least you will have to pay is £75 and the most is £125, for each and every loss. Further details relating to the excesses applicable are stated in the policy key facts and terms and conditions.

There is no excess to pay under the personal accident section of the policy, however if the claim is for cover under temporary total disablement then cover will be excluded for the first 7 or 14 days, depending on the policy taken out, of each and every disablement.

Can you provide liability insurance for a Pony Club?

As a club branch to the Pony Club your liability insurance is provided through the Pony Club’s own liability policy which is why we do not provide a bespoke Pony Club liability policy.

PONY & RIDING CLUB INSURANCE