SPORT HORSE INSURANCE

Sport Horse Insurance – Eligibility

We can provide cover for horses from 24 hours for mortality cover, 30 days onwards for veterinary fee cover and three years onwards for permanent loss of use.

When on cover, a horse can remain on the policy until 19 years of age, although cover and rates will alter accordingly. Permanent loss of use cover can stay in place up to and including 14 years of age.

For new business the following maximum age limits apply:

• For mortality and vet fee cover up to and including 15 years
• For permanent loss of use cover up to and including 12 years

Policyholder and horse must be domiciled in the United Kingdom.

Sport Horse Insurance – Cover Available

The cover available through a KBIS Sport Horse Policy is listed below. Please note the information below outlines the standard cover available. If you have a policy with KBIS your exact cover will be specified on your certificate of insurance.

Under all sections of the policy cover is provided while in the UK and Western Europe.

1) All Risks of Mortality

The policy provides cover for ‘All Risks of Mortality’. This means that you will be able to claim under your sport horse insurance policy if the horse dies, is killed or has to be put down immediately on humane grounds by a vet, as a result of an accident, injury, illness or disease as per the terms of the policy. Cover for theft is also included and underwriters will pay up to the sum insured for the fair market value of the horse.

2) Vet Fee cover

Vet fee insurance is offered with a choice of two levels of cover:

• Scale A – Pays 100% of vet fees after the fixed excess per incident of £350. Cover is limited to £5,000 per incident and in aggregate. Cover is not included for alternative treatment or stabling at a veterinary hospital.
• Scale B – Pays 100% vets fees, after the fixed excess per incident of £500. Cover is limited to £5,000 per incident and in aggregate. Cover is not included for alternative treatment or stabling at a veterinary hospital

3) Permanent Loss of Use

Permanent Loss of use can be provided for horses insured before their 12th birthday up to and including 14 years of age. Permanent Loss of use provides cover against the horse sustaining an injury which leaves it unable to ever again perform the activity for which it was insured. In the event of a claim the horse can either be put down on economic grounds or kept in retirement, the amount paid will be dependent upon the decision made. More limited cover can be provided which just covers loss of use as a result of an accidental, external and violent injury only.

4) Tack cover

The policy will indemnify the assured in respect of the actual value at the time of loss but not exceeding the amount specified on the certificate, for physical loss or damage and theft. The excess under this section is £100 each and every loss.

Policy Documents

Sport Horse Insurance – Claim Forms

• Veterinary Fee Claim Form
• Veterinary Fee Continuation Claim Form
• Mortality Claim Form
• Permanent Loss of Use Claim Form
• Theft Claim Form
• Tack Claim Form
• Trailer/Horse Drawn Vehicle Claim Form
• Personal Accident Claim Form

Please note that if you are intending to make a mortality claim, it is a condition of the policy that a post mortem examination is carried out and the report sent to KBIS.

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.

1) Initial notification

Contact KBIS as soon as possible. You can contact KBIS by:

Phone:

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

View our office opening times here

Email:
ask@kbis.co.uk

2) Obtain a Claim form

You can download a General Liability 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

3) 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.

4) Send the completed form 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.

Sport Horse Insurance – Veterinary Requirements

The veterinary requirements and documentation that will be requested by KBIS in order to put your horse on cover are outlined below. These requests vary depending on the value of the horse and type of cover being taken out.

For mortality and vets fees cover:

Including loss of cover

Please note underwriters may required additional documentations and requirements are viewed on an individual basis.