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For a downloadable pdf key facts summary, of the
details shown below, please click
here
Detailed in this section is the summary of cover available under our Leisure
cover. It starts with the basic mortality and theft cover and has a choice
of options which can be added. If you are looking for Permanent loss of use
for your horse or it is taking part in an activity not listed below you will
need to go to our Riding and
Competition cover option.
It is important you review the options available so that you can choose the
appropriate cover for you and your horse. If you have any queries about the
extent of cover or want to discuss your requirements please call 0845
3452300 and we will make every effort to point you in the right direction.
Alternatively you can fill in the
Quote Request using this link
and we will e-mail a quote
back.
Basic Cover
(see policy document page 1)
A1
Basic Cover for horses and foals from 90 days to 19 years old inclusive.
(Death + Theft)
i) Provides cover if the horse
is killed, dies or your veterinary surgeon has to put the horse down on
humane grounds (in line with the British Equine Veterinary Association
guidelines) as a result of an accident, sickness or disease. A claim under
this section will require a post mortem examination unless a prior agreement
has been made with Kbis.
ii) Provides cover for loss by
theft or straying.
iii) Cover includes mares whilst
foaling.
A2 Basic Cover for
horses from 20 to 30 years old inclusive.
i) Provides cover if your
Veterinary Surgeon has to put the horse down on humane grounds as a result
of an accidental external injury involving an open wound or is killed as a
result of an accidental external injury involving an open wound.
ii) Provides cover for loss by
theft or straying
Insured activities (see policy document page 1, section A)
Hacking, Rearing, Breeding,
Gymkhanas, Showing, Show jumping (up to and including foxhunter level),
Dressage (up to and including elementary level), Riding Club and Pony
Club Events including Novice Hunter Trials, non-competitive Driving.
Cover
includes transits. If the horse is a mortality or theft claim there is no
excess deducted from the claim.
OPTIONAL COVER
B Veterinary Fee cover:
(see page 3, section B)
Arising from any accidental external injury and
illness if Scale C, D or E, occurring or manifesting itself during the
currency of the policy, and on going treatment for 12 months from the injury
or onset of illness, but excluding veterinary fees resulting from normal
preventative inoculations and pre-existing conditions.
|
Scale |
Vet Fees Paid |
Excess (payable by the assured) per incident |
Limits |
|
A |
For
accidental injuries only. Age
limit: 90 days to 30 years.
|
£125 |
£3000 per incident, unlimited in aggregate. |
|
B |
For
accidental injuries plus colic surgery. Age
limit: 90 days to 19years.
|
£125 |
£3000 per incident, unlimited in aggregate. |
|
C |
75%
of vet fees and 100% for colic surgery. Age
limit: 90 days to 19 years.
|
£125 (£150 for 16-19 year olds) |
£3000 per incident, unlimited in aggregate. |
|
D |
100% of vet fees. Age
limit: 90 days to 15 years.
|
£275 |
£3000 per incident, unlimited in aggregate. |
|
E |
100% of vet fees. Age
limit: 90 days to 15 years.
|
£125 |
£3000 per incident, unlimited in aggregate. |
Please note that veterinary fees
cover does not include complementary treatment or hospitalisation costs.
Please note that claims on Scale A & B vets fees must involve an
open surface injury.
C
Harness, Tack And Saddlery:
(see policy document page 4, 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 4, 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.
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 4 section Veterinary
Fees Exclusions)
You can start your horses insurance
from 90 days of age onwards. (see policy document page 6 Important
Information
Once your horse reaches 20 years,
cover for death and veterinary fees is limited to accidental
external injury only. (see policy document page 3 section Veterinary
Fees)
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 £125 and £275 (depending on the scale chosen, see table overleaf) for Standard Vets Fees (see Policy Document Pages 3 –5)
Your policy does not cover costs
charged by your vet for completion of insurance claim forms. (see
Policy Document page 6 How Do I Notify a Claim?)
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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