Horse Policy Information
| Monthly1 | Yearly | ||
|---|---|---|---|
| Essential | Death of Horse | 100% sum insured or market value if less | |
| Public Liability | £1.25m | £1m | |
| Theft or Straying | 100% sum insured or market value if less | ||
| Personal Accident | £12,500 | £10,000 | |
| Intermediate same benefits as Essential plus |
Dental Cover | £1,250 | £1,000 |
| Stables Cover | £1,250 | £1,000 | |
| Vet's Fees | £5,750 | £5,250 | |
| Saddlery and Tack | £1,750 £500 single item limit | £1,500 £500 single item limit | |
| Hire of Horse | £1,250 £25 limit per week | £1,000 £25 limit per week | |
| Intermediate Value same benefits as Intermediate except |
Vet's Fees | £2,000 per incident or sum insured if less | £1,500 per incident or sum insured if less |
| Premier same benefits as Intermediate plus |
Loss of Use | 100% sum insured or market value if less | |
| Loss of Entry Fees | £625 | £500 | |
| Liability of Use | £1.25m | – | |
Area Classification
- Area A: All counties other than those shown in Area B
- Area B: London, Berkshire, Essex, Sussex, Hertfordshire, Kent, Middlesex and Surrey
Types of Use
We provide cover for different types of use. An additional premium is charged if Type of Use 2 is selected:
| Type of Use 1 | Type of Use 2 |
|---|---|
| Hacking, gymkhanas, showing, driving, Pony and Riding Club events, breeding, show jumping, dressage, heavy horses and foals over 30 days. | Type of Use 1 plus: hunting, hunter trials, novice one and three day events, polo, endurance and long distance riding, cross country, horse ball, polo-crosse, vaulting and Le Trec. |
Excess
The excess is the amount you must pay towards a claim. Policy excess is £139 for all sections except Vet's Fees where it is 17.5% with a minimum of £139, tack 17.5% with a minimum of £150 and Public Liability £250. The excess if you live in Area B is 17% with a minimum of £145.
- Lunar monthly policy (more information)
