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KBIS British Equestrian Insurance provides Horse Insurance, Horsebox Insurance, Liability Insurance plus lots more

Cover Available

We are able to provide both fully comprehensive cover, and more limited cover, third party fire and theft, the main benefits of each are outlined below: 

Fully Comprehensive Cover

  • Liability to others for any accident you have when using your vehicle.
  • Accidental or malicious damage, including flood damage.
  • Loss of the vehicle by fire or theft.
  • Foreign use, providing the minimum insurance needed by the relevant law to allow you to use the vehicle in any country which is a member of the European Union.

Third Party Fire, and Theft (for horseboxes valued up to and including £5,000 only)

  • Liability to others for any accident you have when using your vehicle.
  • Loss of the vehicle by fire or theft.
  • Foreign use, providing the minimum insurance needed by the relevant law to allow you to use the vehicle in any country which is a member of the European Union.

We are able to provide the above cover under the following types of use:

Social, Domestic and Pleasure Use if you are transporting your own horse(s) and are not doing so in connection with a business.

Business Use if you will be transporting your own horses but are doing so in connection with your business.

Hire & Reward if you will be transporting other people’s horses and charging them a fee for doing so.

The excess on your policy will range from £100 to £250 depending on the value your vehicle. For windscreen damage (under fully comprehensive policies only) the excess is £75.

The cost of your policy will depend upon the level of cover, vehicles value, number of drivers, previous claims and convictions and the type of use.

For clients who are regularly transporting horses as part of a business then we are able to provide additional insurance, if you choose,  to cover your legal liability for the injury or accidental death of a horse not belonging to you. This is usually referred to as Custodial Liability (Care, Custody and Control) and is something we can offer under our Liability Insurance. In addition we can also provide specific cover for Horse Transporters.

 

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Ask KBIS, if you have any questions email them to ask@kbis.co.uk - they can be written or videoed and we will get back to you with our answer.