Horse & Rider Insurance
KBIS offer a variety of options when it comes to Horse & Rider insurance. If you choose to combine Rider insurance within your Horse policy, cover includes anyone riding or handling your horse with your permission aged 5 – 75 years (excluding paid professionals).
For your Horse insurance, KBIS have tried to make our policies as flexible as possible allowing you to tailor the cover to your individual requirements. Depending on your horse’s age and the activities the horse is used for, you will have the choice of up to ten different types of Veterinary Fee cover, which vary in excess and incident limits.
Eligibility
Your Horse’s Age
Our online horse insurance quote system is able to provide quotations for any horse or pony between 90 days old and 30 years. There are certain limitations to the policy cover which depend on the age of your horse, however our fully automated horse insurance quote system will show you which cover is available depending on the information you enter.
Your Horse’s Value
The maximum value of horse we will quote for online is £15,000, if your horse is worth more than this KBIS can still cater for your needs but we will need to speak to you over the phone on 0345 230 2323 to provide a quotation and arrange cover.
For horses valued over £20,000 you may want to consider cover through our specialist Sport Horse Insurance Policy
All horses (and owners!) must be domiciled in the United Kingdom.
Your Age
Anyone from the age of 5 years up to 75 years riding or handling your horse with your permission (with the exception of professionals) will be covered under the personal accident section of your insurance policy.
Cover available
The following cover can be purchased under both a KBIS Leisure Policy and KBIS Competition Policy (with the exception of Permanent Loss of Use which is only available under our Competition policy)
Please note the information below outlines the cover available, if you have a policy with KBIS your exact cover will be specified on your certificate of insurance.
Death,Theft and Straying
Death,Theft and Straying is the starting point of your insurance. It is the benefit paid following the death or euthanasia of the horse or if the horse is lost or stolen and not found. This benefit will be the sum insured/market value of the insured horse
Vet Fee Cover
Vet fee cover provides the insured horse with cover for non routine veterinary procedures. Vet fee cover can be extremely beneficial and will help you to make sure your horse receives the veterinary attention required in the event of an injury without you, the horse owner, having to worry about the cost.
We offer a range of different vet fee cover options for you to choose from, depending on your horses age and the activities you are participating in.
Our Competition cover provides more comprehensive cover with incident limits up to £6,000, and cover for complementary treatment and hospitalisation.
You can view the vet fee cover available under each policy below:
Permanent Loss of Use
(Available under our Competition cover only)
Permanent Loss of Use (PLU) will provide cover if your horse sustains an injury or condition which in the opinion of both your own vet and the Underwriters vet means that the horse will no longer be able to fulfil the activity for which he is insured as stated on your certificate of insurance. You can choose to insure your horse for 100% PLU or 75% PLU
Public Liability
Public Liability is one of the most important areas to consider taking out cover. It provides the policy owner with cover against their liability to a third party, for example, if you were out hacking and your horse spooked and kicked a car causing an accident on the road. You can choose between three levels of cover, up to £1,000,000, £2,000,000, or £3,000,000.
Personal Accident
Personal Accident insurance covers you if you sustain a bodily injury through riding, handling, mounting or dismounting the insured horse. We can offer two levels of cover to choose from: Scale 1, which offers a benefit of £10,000; and Scale 2, which offers a benefit of £20,000.
Saddlery & Tack
We can provide cover for the physical loss or damage and theft of your tack in respect of the actual value at the time of loss but not exceeding the sum insured. Cover can be included for sums insured up to and including £10,000, with the excess £100 for each and every loss
Trailer/Horse Drawn Vehicle
You can insure your trailer (up to a value of £10,000) against physical loss or damage whilst immobilised and whilst being towed. The excess on this section is £100.
We can also provide stand alone trailer insurance for values up to £20,000.
Vetting requirments
The table below outlines our vetting requirements depending on the type of cover you wish to take out and the market value of your horse (not the value that you are choosing to insure the horse for).
For all levels of cover you will be required to complete a proposal form.
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.
| Mortality & Theft Cover Only | |
|
Market Values up to £9,999 |
None, unless you have had a pre purchase vetting carried out in which case you will need to send us a copy |
| Market Values £10,000 to £20,000 | Two or five stage vetting* |
| Vet Fee Cover | |
|
Market Values up to £6,000 |
None, unless you have had a pre purchase vetting carried out in which case you will need to send us a copy |
| Market Values £6,001 to £9,999 | Two or Five stage vetting* unless the horse has been owned for a minimum of 6 months |
| Market Values £10,000 to £20,000 | Two or Five stage vetting* |
| Permanent Loss of Use | |
|
Market Values up to £9,999 |
Five stage vetting* |
| Market Values £10,000 – £19,999 | Five stage vetting* plus X-rays. View x-ray requirements |
| Market Values £20,000 and above |
Five stage vetting* plus X-rays. |
*Any vetting should have been carried out no more than 14 days before the start of the cover. If the vetting falls outside of this period then we would require a new vetting to be carried out in addition to seeing the original vetting.