Horse Insurance – Cover Available
The following cover can be purchased under both a KBIS Leisure Policy and KBIS Competition Policy (with the exception of Permanent Loss of Use which is only available under our Competition policy)
Please note the information below outlines the cover available, if you have a policy with KBIS your exact cover will be specified on your certificate of insurance.
Death,Theft and Straying
Death,Theft and Straying is the starting point of your insurance. It is the benefit paid following the death or euthanasia of the horse or if the horse is lost or stolen and not found. This benefit will be the sum insured/market value of the insured horse
Vet Fee Cover
Vet fee cover provides the insured horse with cover for non routine veterinary procedures. Vet fee cover can be extremely beneficial and will help you to make sure your horse receives the veterinary attention required in the event of an injury without you, the horse owner, having to worry about the cost.
We offer a range of different vet fee cover options for you to choose from, depending on your horses age and the activities you are participating in.
Our Competition cover provides more comprehensive cover with incident limits up to £6,000, and cover for complementary treatment and hospitalisation. You can view the vet fee cover available under each policy below:
Competition Vet Fee Cover
Leisure Vet Fee Cover
Permanent Loss of Use
(Available under our Competition cover only)
Permanent Loss of Use (PLU) will provide cover if your horse sustains an injury or condition which in the opinion of both your own vet and the Underwriters vet means that the horse will no longer be able to fulfil the activity for which he is insured as stated on your certificate of insurance. You can choose to insure your horse for 100% PLU or 75% PLU
Legal Liability is one of the most important areas to consider taking out cover. It provides the policy owner with cover against their liability to a third party, for example, if you were out hacking and your horse spooked and kicked a car causing an accident on the road. You can choose between three levels of cover, up to £1,000,000, £2,000,000, or £3,000,000.
Personal Accident insurance covers you if you sustain a bodily injury through riding, handling, mounting or dismounting the insured horse. We can offer two levels of cover to choose from: Scale 1, which offers a benefit of £10,000; and Scale 2, which offers a benefit of £20,000.
Saddlery and Tack
We can provide cover for the physical loss or damage and theft of your tack in respect of the actual value at the time of loss but not exceeding the sum insured. Cover can be included for sums insured up to and including £10,000, with the excess £100 for each and every loss
Trailer/Horse Drawn Vehicle
You can insure your trailer (up to a value of £10,000) against physical loss or damage whilst immobilised and whilst being towed. The excess on this section is £100.
We can also provide stand alone trailer insurance for values up to £20,000
Horse Insurance – Vetting Requirements
The table below outlines our vetting requirements depending on the type of cover you wish to take out and the market value of your horse (not the value that you are choosing to insure the horse for).
For all levels of cover you will be required to complete a proposal form.
Mortality & Theft Cover only:
|Market Values up to £9,999||None, unless you have had a pre purchase vetting carried out in which case you will need to send us a copy|
|Market Values £10,000 to £20,000|
Vet Fee Cover:
|Market Values up to £6,000||None, unless you have had a pre purchase vetting carried out in which case you will need to send us a copy|
|Market Values £6,001 to £9,999||Two or Five stage vetting* unless the horse has been owned for a minimum of 6 months|
|Market Values £10,000 to £20,000||Two or Five stage vetting*|
Permanent Loss of Use Cover:
|Market Values up to £9,999||Five stage vetting*|
|Market Values £10,000 – £19,999||Five stage vetting* plus X-rays.|
View x-ray requirements
|Market Values £20,000 and above||Five stage vetting* plus X-rays.|
View x-ray requirements
*Any vetting should have been carried out no more than 14 days before the start of the cover. If the vetting falls outside of this period then we would require a new vetting to be carried out in addition to seeing the original vetting.
Horse Insurance – Loaned Horses
If you are insuring a loan horse you will need to provide KBIS with a copy of the loan agreement. This means that KBIS can direct any claim settlements to the right party (veterinary fee claims are usually settled to the loanee whilst mortality and loss of use claims payments are settled to the owner).
In addition, KBIS will require a clinical print out from the veterinary practice showing the horse’s medical history.
Horse Insurance – B&W Equine Plan
The B&W Equine Plan is a unique insurance policy for clients of the B&W Equine Group, providing comprehensive insurance cover for your horse combined with veterinary benefits.
The insurance policy offers the same choice of vet fees cover as you would find on our Competition policy but the cover includes an annual health check and dental examination, with routine rasping if required, from your usual B&W clinic.
- An annual health check
- An annual dental examination including routine tooth rasping
- 5% discount on all vaccinations
- 10% discount on all Equistro supplements
- 7.5% discount on your policy premium if you take out a KBIS competition policy (subject to no claims)
- A simplified claims process – mostly dealt with by KBIS and the staff at the B&W Equine Group.
If you would like to discuss a B&W Equine Plan then contact us on 0345 230 2323 and we can explain the cover options available and provide you with a quotation. We regret that we are unable to provide an online quotation under this policy type.