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

View our office opening times


Make A Claim:

Complete a Personal Accident Claim Form

Frequently Asked questions

I have personal accident cover on my horse policy, is this the same policy?

No, the cover provided on your horse insurance policy is specifically related to the horse named on the policy. That means you would only be covered if the accident occurred when you were riding or handling the insured horse.

A stand alone personal accident policy relates to the policyholder. This means you will be covered for riding/handling any horse for the level of activities to which you specified cover and to which is noted on your certificate of insurance.

In addition the KBIS stand alone personal accident policy provides ‘all of life’ cover so you are covered for much more than horse riding. The policy also includes cover for temporary total disablement, which pays a weekly benefits should the injury or illness prevent you from being able to carry out your normal occupation.

How much will a personal accident policy cost?

The cost of the policy will depend 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.

Does the policy only cover horse riding activities?

No the KBIS policy provides ‘all of life’ cover, this means you will be covered for an accident or illness which occurs outside of your horse riding activities.

There are noted exclusions on the policy, when cover is not provided, however these will be clearly stated on your policy terms and conditions.

Will the policy cover me if I have an accident while abroad?

Yes the KBIS policy provides world wide cover 24/7! However, the policy does not include cover for repatriation (getting you home after an injury) or medical expenses.

What cover is included under dental care?

Dental care will cover the cost of all necessary dental treatment, up to the limit of indemnity, following the loss of or damage to, your teeth as a result of an accident. Cover will include the provision or repair of Dentures, but it will not cover the cost of making good faulty workmanship or design of Dentures.

What is temporary total disablement?

Temporarily total disablement (TTD) pays out a weekly benefit should an injury or illness leave you temporarily unable to carry 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, particulary so for anyone who is self employed and will therefore not receive any statutory sick pay.

The weekly benefit received under TTD cover, will help towards the running costs of your business while you are unable to work such as additional expenses you may incur, including having to take on temporary help.

Do you have a policy for children?

Yes we offer a Junior cover option for children aged between 5 years up to their 16th Birthday. The junior policy does not include cover for temporary total disablement, which is reflected in the cost of the insurance.

Do I have to take out a personal accident policy with an equine insurer?

There are lots of insurance companies which provide personal accident insurance but when approaching a non equine insurer make sure you are very clear about the horse riding activities you will be participating as not all insurers will provide adequate cover.

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