Sport Horse Insurance
KBIS Sport Horse insurance is specifically designed for high value sport horses, typically valued above £20,000.
Cover is automatically included for transit (including aviation), training and competing in Western Europe on a temporary basis.
You can therefore be sure when travelling to compete in these countries for short periods of time that you do not need to have any additional cover in place.
Eligibility
We can provide cover for horses from 24 hours for mortality cover, 30 days onwards for veterinary fee cover and three years onwards for permanent loss of use.
When on cover, a horse can remain on the policy until 19 years of age, although cover and rates will alter accordingly. Permanent loss of use cover can stay in place up to and including 14 years of age.
For new business the following maximum age limits apply:
- For mortality and vet fee cover up to and including 15 years
- For permanent loss of use cover up to and including 12 years
Policyholder and horse must be domiciled in the United Kingdom.
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 Fee 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 it 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 in 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.
Veterinary requirements
The veterinary requirements and documentation that will be requested by KBIS in order to put your horse on cover are outlined below. These requests vary depending on the value of the horse and type of cover being taken out.
| For mortality and vets fees cover | |
|
Values up to £25,000 |
Completed proposal form |
| Values £25,001 to £150,000 | Completed proposal form and a minimum 2 stage vet certificate |
| Values over £150,000 | Requirements will be stipulated upon quotation |
| Including loss of cover | |
|
Values up to £100,000 |
Completed proposal form five stage vetting and xrays as stipulated |
Please note underwriters may required additional documentations and requirements are viewed on an individual basis.
Visit the KBIS website using the button bellow to discover find policy documents and claim forms, as well as more information on Sport Horse Insurance.