Pony & Riding Club Insurance – Cover Available
You can include cover for property owend by the branch or club as well as including items which are temporarily on hire such as PA systems.
For property owned, such as trailers, showjumps, trophies, and dressage boards, cover is included for physical loss or damage, including if it is on hire or being lent out to a third party.
Equipment should be insured for its current market value taking into account depreciation as in the event of a claim you will be reimbursed the cost of a new replacement less a deduction for wear, tear and depreciation.
For hired in equipment cover is for ‘replacement as new’ and so the sum you insure for should be for the full new replacement cost. Cover is on a temporary basis, up to 30 days per year.
Damage to Vehicles At Events
Cover is provided for any external physical damage to a vehicle that was caused directly or indirectly by a horse or pony. The policy includes vehicles that belong to committee members, accredited officials or trainers, for incidents that have occurred at an official club event/activity.
Personal Accident Insurance – Pony Clubs
Members personal accident insurance includes cover for club members whilst attending an official pony club activity, whether that is at a club show or training/clinics.
Cover is included for permanent total disablement, that is an injury which leaves the member entirely unable to carrying out their usual occupation or if in full time education, leaves them unable to perform the normal activities of a healthy person of a similar age and experience.
Cover can also be included for instructors, officials and volunteers when they are officiating, stewarding or instructing at an official pony club event. Cover includes such activities as course building, both show jumps and cross country fences, as well as when travelling to and from official events. Cover includes temporary total disablement (for persons over the age of 17) which is a weekly benefit should they suffer and injury which leaves them temporarily unable to carry out their normal occupation.
Personal Accident Insurance – Riding & Driving Clubs
Members personal accident insurance includes cover for club members whilst attending an official pony club or riding club activity, whether that is at a club show or training/clinics.
We offer three levels of cover to choose from, scale A to scale C, two of which include cover for temporary total disablement (TTD). TTD pays a weekly benefit should the member suffer and injury which leaves them temporarily unable to carry out their normal occupation.
The benefits of each of the cover options are outlined in the table below:
| ||Scale A||Scale B||Scale C|
|(under the age of 16 years)||£5,000||£5,000||£5,000|
|Total loss of sight of both eyes||£5,000||£10,000||£25,000|
|Total loss of sight of one eye||£2,500||£5,000||£12,500|
|Loss of two limbs||£5,000||£10,000||£25,000|
|Loss of one limb||£2,500||£5,000||£12,500|
|Total loss of sight of one eye and loss of one limb||£5,000||£10,000||£25,000|
|Permanent Total Disablement||£5,000||£10,000||£25,000|
|Temporary Total Disablement (per week)||£50||£100||Not covered|
Cover can also be included for instructors, officials and volunteers when they are officiating, stewarding or instructing at an official club event. The same benefit scale is offered.
Public Liability – Riding & Driving Clubs
Public liability insurance provides cover against bodily injury to third parties or damage to third parties property. Cover is automatically included for the following:
Personal Liability for members when at club events Member to Member Liability, injury to members or their horses caused by another member whilst at a club event. All social and fund raising activities carried out by the club Products Liability, caused from products sold or supplied at club events, including food and drink
There are four levels of cover (limits of indemnity) to chose from – £1 million, £2 million, £5 million or £10 million.
Employers Liability – Riding & Driving Clubs
Employers Liability insurance provides cover against bodily injury to anyone employed by the club, whether full time, part time or paid in kind in respect of any bodily injury sustained by them as a result of the clubs negligence. Cover is included up to £10 million
If you wish to take out employers liability then it must be taken out in conjunction with public liability.
Pony & Riding Club Insurance – Claim Forms
Should you need to make a claim on your policy it is important that you notify KBIS as soon as possible.
The following guide will help to ensure that you have complied with the terms of your policy with regards to claims notification. It is important to adhere to these conditions as failure to do so may prejudice your position with underwriters.
If the claim is in relation to a commercial combined insurance policy then you should contact KBIS. If the claim is in relation to your vehicle insurance then you need to contact the underwriters, Equity Red Star (ERS), via their claims helpline
KBIS UK Telephone No: 0345 345 2323
Outside UK: +44 (0) 1635 247474
View our office opening times here
Equity Red Star Claims Helpline
Accident/Loss – 0845 602 3370
Windscreen – 0845 602 3376
Obtain a Claim Form
You can download both a Farriers Liability Claim Form and a Farriers Property Claim form above
If you have contacted our offices we can arrange for a form to be sent by post, including a free post envelope for the return of your form and documentation
Collate all necessary information
In order for us to process your claim in the most efficient manner it is important that we have all of the relevant documentation, as requested, to enable us and the underwriters to consider the claim in its entirety.
Send the completed claim for and documentation to KBIS
Please note that we are unable to give any indication whether a claim is likely to be paid without the completed claim form and invoices.