Significant Features and Benefits

Conditions or Limitations

Relevant Section in Policy Document

Insured Incident

Any accident occurring during the period of insurance, which takes place within the geographical limits where there are reasonable prospect of making a successful recovery from an identifiable party

You must ensure that we are told about the claim within 180 days of event which caused it.

What is not covered - 7

Uninsured Loss Recovery and Personal Injury

If we agree it necessary, we will appoint a  solicitor or claims adjuster to act on your behalf, who will negotiate the recovery of uninsured losses and costs following an insured incident relating to the use of an insured vehicle or horse involved in a road traffic accident which causes:

a)       Loss or damage to the insured vehicle or horse.

b)       Loss or damage to any personal property owned by you whilst the property is in/on or attached to the insured vehicle or horse.

c)        The death of or injury to you whilst in or getting into or out of the insured vehicle or whilst using the horse.

£50,000 is the maximum sum payable by the insurers for all insured incidents. 

Only legal costs and expenses charged by a solicitor or claims adjuster appointed by us are covered

We will not be liable for any legal costs and expenses incurred prior to our acceptance of a claim

Unless we agree to commence court proceedings or there is a conflict of interest we have the right to choose solicitor or claims adjuster to assist you.

Definitions - Limit of indemnity

Definitions -Legal costs and expenses

What is not covered -2

Representation  

1, 2, 3, 4, 5

VET fees, Stabling and Accommodation charges

In the event of your horse being injured in a road traffic accident emergency VET and stabling fees will be paid along with emergency accommodation charges

The first £75.00 inc of VAT is covered in respect of emergency stabling charges incurred by you regardless of who was to blame for any road traffic accident ins which you were involved in, will be paid if you are stranded more than 40 miles from your home or intended destination whichever is closer

The first £50.00 inc of VAT is covered in respect of vet’s fees incurred by you regardless of who was to blame for any road traffic accident ins which you were involved in, will be paid if you are stranded more than 40 miles from your home or intended destination whichever is closer

 If you are away from your normal place of residence and you are involved in a road traffic accident, when on your horse, up to a maximum of £65.00 inc VAT in respect of overnight accommodation charges is covered irrespective of who was to blame for the accident, provided that the accident occurs within the geographical limits, will be paid if you are stranded more than 40 miles away from your normal place of residence or intended destination

What is not covered -2

 What is not covered -3

What is not covered -4

Geographical Limits

 GB, Northern Ireland, Isle of Man, Channel Islands,

Austria, Belgium, Bulgaria, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovenia, Spain, Sweden and Switzerland. 

 All motor vehicles are covered

Private cars, motorcycles and commercial vehicles up to 35cwt only, excluding vehicles with a seating capacity in excess of 12

Definitions - Geographical Limits - a

Definitions - Geographical Limits - b