Scale	Vet Fees Paid	Class	Excess (payable by the assured) per incident	Limit per incident	Limit In aggregate
A	Pays 85% vet fees or 100% for colic surgery* above the fixed excess	1A 1B & 2	£125 + 15%* £135 +15%*	£5000	Unlimited
B	Pays vets fees above the excess, and includes £500 complementary treatment within incident limit	1A 1B & 2 3	£125 £135 £160 + 15%	£3500	Unlimited
C	Pays vets fees above the excess, and includes £500 complementary treatment within incident limit	1A 1B & 2 3	£125 or £500 £135 or £500 £160 or £500 + 15%	£5000	Unlimited
D	Pays vets fees above excess up to £1000. This extended to £5000 for life saving surgery for the following conditions only: colic surgery, long bone fractures or joint/tendon lavarge for septis	1A 1B & 2 3	£125 £135 £160 + 15%	£1000	£5000

Class 1A, 1B & 2 veterinary fee cover as detailed in your certificate – individual policies may have specific variations or restrictions.

Complementary Treatment: Non veterinary treatment for specific conditions diagnosed and carried out on the recommendation of a veterinary surgeon, by a veterinary surgeon or persons other than a veterinary surgeon. This includes physiotherapy, faradism, laser treatment, back manipulation, corrective farriery, osteopathy, nutracutical, alternative medicine, herbalist, homeopathy and acupuncture.
 

C Harness, Tack And Saddlery: (see policy document page 3, section C)

Covering loss or damage however caused, excluding fair wear and tear. (Riding Schools or other Commercial premises only covered for privately owned tack in an alarmed tack room).

Limit: Market Value of the items lost or damaged up to the sum insured.

Maximum: £3,000 in respect of each assured during any one policy period, subject to an excess of £100 each and every claim.
 

D Trailers And Horse Drawn Vehicles: (see policy document page 3, section D)

Covering physical loss or damage however caused, excluding fair wear and tear.

Excluding: All and any legal liability to third parties. Limit: Market Value of the trailer up to the sum insured.

Maximum: £5,000 any one trailer or horse drawn vehicle, subject to an excess of £200 or 10% which ever is the greater, each and every claim. Conditions must be immobilised when not in use.
 

E Personal Accident:.(see policy document page 4, section E)

Accidental bodily Injury causing death or permanent injury to the rider or driver of an insured horse, including persons riding or driving with the permission of the assured.

Excluding: Riding or driving in any kind of race under Jockey Club rules or events under A.R.A.B. rules.

Age Limits: 5 to 75 years of age inclusive.

BENEFIT SCALE	Scale 1	Scale 2
Death**	£10,000	£20,000
Loss (use of) one or more limbs.	£10,000	£20,000
Loss of sight in one or both eyes.	£10,000	£20,000
Deafness in both ears.	£10,000	£20,000
Permanent total disablement.	£10,000	£20,000
Dental work following an accident, maximum in respect of any one accident, with excess of £100 per claim.	£1,000	£2,000

**The amount otherwise payable shall be reduced by 50% until you have reached your 16th birthday. The amount otherwise payable shall be reduced by 20% where you are not wearing headgear conforming to ENI 384 or PAS 015 at the time of the accident.

F Legal Liability: (see policy document page 5, section F)

Provides cover for the rider or handler of the insured horse (providing they have permission of the owner or are the owner) for a claim resulting from the handler or rider becoming legally liable through or arising from connection with the insured horse.

Liability Exclusions: Livery stables, riding schools & equestrian centres. Claims in respect of assured's family or household or if the rider takes legal action against the owner for bodily injury. This insurance does not cover claims that are covered under any other existing policies or policy.

Limits: Level 1 - £1,000,000 or Level 2 - £2,000,000 Excess: Liability cover is subject to an excess of £250 for any one incident in respect of property damage claims only.

 

Important Notes

This policy summary does not contain the full terms and conditions of the policy. A copy of your equine insurance policy terms and conditions will be sent to you with your Certificate of Insurance.

This policy provides horse insurance. See below for details of the sections of cover offered.

The Policy is a 12 month contract and renewal may be invited every year.

This policy is underwritten by Allianz Insurance PLC.
 

Exclusions and Limitations

Policy terms and conditions, premiums and excesses may change each year. (see Policy Document Page 6 Important Information)

You must take proper care of your horse including an annual dental examination, vaccinations, worming programme and any treatment recommended by your vet to prevent illness or injury. (see Policy Document Page 3 Veterinary Fees Exclusions)

Insurance cover can be arranged from 30 days of age onwards (see Policy Document page 6 Important Information).

Once your horse reaches 15 years, the cover becomes more restrictive and from 20 to 30 years the cover for death and veterinary fees will be limited to accidental external injury only under our leisure scheme. (see Policy Document page 1 )

Your policy does not cover any illness or injury that pre-existed cover, or any illness within the first 14 days of cover (see Policy Document page 6 Important Information)

You must be resident in the United Kingdom (including the Isle of Man and the Channel Islands) to insure your horse under this policy. (see Policy Document page 6 Geographical Limits)

You pay the first £250 on claims under Third Party Liability (damage to property only), £100 on claims for saddlery and tack, £200 or 10% (whichever is the greater) for Trailer cover, and between £110 and £500 (depending on the scale chosen, see table overleaf) for Standard Vets Fees (see Policy Document Pages 2 – 5, sections B to F)

Your policy does not cover costs charged by your vet for completion of insurance claim forms. (see Policy Document Page 3 Veterinary fee Exclusions)

The insurers may place specific exclusions on your policy. (see Policy Document Page 6 Important Information) If applicable these will be noted on your certificate of insurance.

Cancellation Rights

If after receiving your certificate of insurance and full policy terms and conditions you are not happy you have 14 days during which you can cancel the policy by sending written confirmation to KBIS Ltd, Cullimore House, Peasemore, Berkshire, RG20 7JN. If you cancel outside of the 14 day cancellation period you will be charge on a pro rata scale for time on cover. In the event of a claim the full annual premium must be paid and no return premium is given in respect of cancellation.
 

How do I notify a claim?

You need to complete a claim form for the incident in question. You can notify us of a claim and obtain a claim form by calling 01635 247474. Your vet may charge you a fee for completing a claim form. Your policy does not cover this cost.
 

How do I make a complaint?

If you have a complaint please contact Kbis Ltd. at: Kbis Ltd, Cullimore House, Peasemore, Newbury, Berks, RG20 7JN, telephone 01635 247474 or email complaint@kbis.co.uk.

If Kbis Ltd are unable to resolve the problem within 4 weeks your complaint will be passed to Allianz Insurance PLC. If we are unable to resolve the problem we will provide you with information about the Financial Ombudsman Service (FOS). Full details of our complaints procedure may be found in your policy documentation. Using our complaints procedure or referral to the FOS does not affect your legal rights.

Financial Services Compensation Scheme

Allianz Insurance PLC is covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the FSCS if we cannot meet our liabilities. You may be entitled to compensation up to £2000 for the first part of any claim and 90% of the remainder. Further information about compensation scheme is available from the FSCS.

 

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