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Sports Horse Insurance - Cover Available

Sports Horse Insurance - Cover Available

The cover available through a KBIS Sport Horse Policy is listed below. Please note the information below outlines the standard cover available. If you have a policy with KBIS your exact cover will be specified on your certificate of insurance.

Under all sections of the policy cover is provided while in the UK and Western Europe.

 All Risks of Mortality

The policy provides cover for ‘All Risks of Mortality’. This means that you will be able to claim under your sport horse insurance policy if the horse dies, is killed or has to be put down immediately on humane grounds by a vet, as a result of an accident, injury, illness or disease as per the terms of the policy. Cover for theft is also included and underwriters will pay up to the sum insured for the fair market value of the horse.

 Vet Fees Cover

Vet fee insurance is offered with a choice of two levels of cover:

Scale A
Pays 100% of vet fees after the fixed excess per incident of £350. Cover is limited to £5,000 per incident and in aggregate. Cover is not included for alternative treatment or stabling at a veterinary hospital.

Scale B
Pays 100% vets fees, after the fixed excess per incident of £500. Cover is limited to £5,000 per incident and in aggregate. Cover is not included for alternative treatment or stabling at a veterinary hospital

 Permanent Loss of Use

Permanent Loss of use can be provided for horses insured before their 12th birthday up to and including 14 years of age. Permanent Loss of use provides cover against the horse sustaining an injury which leaves it unable to ever again perform the activity for which is was insured. In the event of a claim the horse can either be put down on economic grounds or kept in retirement, the amount paid will be dependent upon the decision made. More limited cover can be provided which just covers loss of use as a result of an accidental, external and violent injury only.

 Tack Cover

The policy will indemnify the assured is respect of the actual value at the time of loss but not exceeding the amount specified on the certificate, for physical loss or damage and theft. The excess under this section is £100 each and every loss.