The KBIS British Eventing Personal Accident insurance is a bespoke policy designed in conjunction with British Eventing to provide members with access to comprehensive Personal Accident insurance at preferential rates.
“Policies from just £152.72, including IPT.”
The policy provides cover for any accidents sustained whilst riding and handling horses, whether at home, schooling or out competing.
Cover benefits include catastrophe payouts plus key benefits such as temporary total disability, which pays a weekly amount should you suffer an injury which leaves you temporarily unable to carry out your normal occupation/business.
British Eventing is an introducer appointed representative of KBIS.
In order to take out a KBIS British Eventing Personal Accident policy the following criteria needs to be met:
There are three different levels of cover to choose from, plus a specific level for junior riders, 16 years and under.
OPERATIVE TIME
Whilst an Insured Person is attending to or participating in horse activities recognised by the Group Policyholder, including travel directly to and from these activities, cover starting from the time of leaving their place of residence or place of work, whichever occurs last, at the commencement of the travel, until return to their place if work, whichever occurs first, upon completion of the travel.
SCHEDULE OF COMPENSATION
In addition the following key benefits are included across all levels:
Loss of Equipment – The insurer will pay a maximum of £500. following deduction of the excess of £100, for loss or damage to clothing or riding equipment (riding hats, body protectors, air jackets) if an accident occurs which necessitates removal of such items
Increased Travel Expenses – The insurer will pay a maximum of £5,000, following deduction of the excess of £100, in relation to increased travel expenses incurred by the policyholder in respect of repatriation following an accident. This benefit is only payable for costs not covered by any other insurance policy, such as travel insurance.
Should you need to make a claim on your policy it is important that you notify KBIS as soon as possible and no later than 7 days after the date of the accident. Upon notification we will issue you with the relevant claim form and let you know of any additional documentation we will require.
Phone:
UK Telephone No: 0345 345 2323 press option 4
Outside UK: +44 (0) 1635 247474 press option 4
View our office opening times
Email: ask@kbis.co.uk
For a quotation or to purchase cover, you will be directed to the KBIS BE Partnership website
Here you will need to complete a short registration form to create an online login (please note this is not your BE login) before obtaining a quotation
Unfortunately, we are unable to provide quotations over the phone but if you have any questions about the cover then please do contact us on 0345 230 23 23 and select option 4.
Monday – 9.00am to 5.30pm
Tuesday – 9.00am to 5.00pm
Wednesday – 9.00am to 5.30pm
Thursday – 9.00am to 5.00pm
Friday – 9.00am to 5.00pm
Saturday – 9.00am to 12.30pm
Sunday – Closed
The cost depends on the level of cover you choose and the level at which you are eventing. As an example, if you are participating at Novice level or below then for level 1 cover you would be looking at £152.72 for the year.
Yes, as well as covering you for an accident sustained at a BE event, the policy also provides cover for all of your riding activities. Whether that is hacking or schooling at home, handling horses on the ground, travelling to and from competitions or competing in another discipline. The only exceptions are for racing or any stunt riding or activity related to stunt riding.
The policy does not cover for any accidents sustained outside of your riding activities, for instance falling down the stairs at home.
Yes, the policy provides worldwide cover 24/7! It includes repatriation costs up to £5,000 (covering increased travel expenses associated with getting you back home when abroad) but it does not cover any additional medical expenses incurred.
Dental care covers the cost of all necessary dental treatment, up to the limit of indemnity, £2,500, following the loss of or damage to your teeth as a result of an accident.
Cover includes the provision or repair of Dentures, but does not cover the cost of making good faulty workmanship or design of Dentures.
Temporary total disablement (TTD) is a weekly benefit if you sustain an injury that prevents you from carrying out your normal occupation/business. TTD is the most claimed upon benefit on a personal accident policy and is essential cover to have in place. the weekly benefit could help towards the running costs of your business or to pay your bills.
Payments will take effect after the first 21 days of an injury and are payable for up to 104 weeks
Yes, you are covered under the policy as a professional rider and if you are earning a living out of your riding activities.
The temporary total disablement benefit also pays out exactly as shown for the level of cover taken out, unlike some policies where you have to be able to evidence your weekly earnings. Which can be difficult as a self employed riders.
There is an excess of £100 applicable to both increased travel expenses and loss of equipment. Temporary total disablement is excluded for the first 21 days of each and every disablement.
There are lots of insurance companies which provide personal accident insurance with variable options so, it can be difficult to compare cover.
This policy has been specifically designed for BE members to offer comprehensive cover at a specially agreed price, so for the cover available we think it is a very cost effective option. However, the insurance does not provide cover for any accidents when not riding nor does it cover illness. If these are important benefits to have then consider a different personal accident policy, such as the ‘all-of-life’ policy KBIS provides.
