Personal Accident Insurance

Having a personal accident policy in place is essential for any rider.

Stand-alone personal accident insurance policies provide a more comprehensive level of protection than the cover typically found within a horse insurance policy or association membership. KBIS’ policy covers the policyholder for accidents and illness which occur whilst riding and also for the unfortunate incidents which can happen at any time, such as falling down the stairs or suffering from a long-term debilitating illness.

“Receive a weekly benefit should you suffer an injury or illness which leaves you unable to work.”

The policy provides a number of benefits. Firstly, a lump-sum benefit designed to be used by the policyholder in the event of serious injury. Secondly, weekly benefits linked to income, which is designed to supplement the policyholder’s income should they be temporarily prevented from working. Finally, the policy provides cover for dental treatment not available on the NHS.

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Features & Documents

Personal Accident Insurance – Eligibility

In order to take out a KBIS stand alone personal accident policy the following criteria needs to be met:

  • The policyholder must be between 5 and 75 years of age (this age limit does not apply to the temporary total disability benefits which have different limits).
  • Temporary total disability benefits available for policyholders above 16 years old.
  • Illness cover is only available for individuals between 16 and 65 years old.
  • The policyholder must be domiciled within the United Kingdom.
  • Certain occupations are excluded, a KBIS advisor will advise if there are any problems at the point you receive a quote.

Personal Accident Insurance – Cover Available

We offer three different levels of cover as well as specific cover for children aged from five up to and including 15 years of age under our Junior cover.


24hrs not just whilst taking part in equestrianism


The maximum benefit payable under temporary total disablement is limited to 75% of the insured’s weekly salary.

The cost of a policy depends on the level of cover you choose to take out and the riding activities you will be participating in but you could be looking at as little as £8/week for our most comprehensive cover.

Personal Accident Insurance – Policy Documents

Proposal Form

The following proposal form should be completed in full if you require a quotation or should you wish to take out cover following a quotation you have already received.

Terms and Conditions

The Terms and Conditions outline the full details of cover available under the KBIS Personal Accident Policy.

Policies taken out on or after 01/01/2021

Policies taken out 01/01/2020 – 31/12/2020

Policies taken out 01/01/2019 – 31/12/2019

Policies taken out on or before 01/01/2019

Insurance Product Information Document (IPID)

The IPID outlines the significant features, benefits, exclusions and limitations of the KBIS Personal Accident policy. They do not contain the full Terms and Conditions. 

Policies taken out on or after 01/01/2021

  • KBIS Personal Accident IPID

Policies taken out between 01/01/2020 and 31/12/2020

Policies taken out on or before 31/12/2019

Personal Accident Insurance – Claim Forms

Should you need to make a claim on your policy it is important that you notify KBIS as soon as possible. This can either be done on the numbers below or you can complete the below form, additional documentation may be required. 


UK Telephone No: 0345 345 2323 press option 4
Outside UK: +44 (0) 1635 247474 press option 4

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