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Key facts

This is a summary of the policy which highlights important information called the KEY FACTS.

It does not contain the full terms and conditions of the policy. When you take out a policy with AmTrust Equine, your personal copy will be sent to you along with your Certificate of Insurance. This policy is a 12 month contract providing horse insurance and renewal may be invited every year. Detailed below are the sections of cover which are available from insurers - AmTrust International Underwriters Limited (AIUL) trading as AmTrust Equine. Registered office 123 Lower Baggot Street, Dublin 2, Ireland. Registered number 169384. AIUL is authorised and regulated in Ireland and regulated by the Financial Services Authority (FSA) for conduct of business in the UK under reference number 203014.

Important notes

The Summary of Facts document forms the basis of your insurance contract with us.

When you receive your Summary of Facts you must check the details you have given us to ensure the information is accurate and advise us of any errors within 14 days.

Any injury, illness, condition or disease which exisited before the Policy came into force and any illness in the first 14 days will not be covered.

Insurers may request additional documents, such as x-rays or veterinary reports, the cost of these must be met by you. On receipt of these documents the insurers may place specific conditions or exclusions on your policy which will be shown in your Certificate of Insurance.

It is your duty to disclose all material facts as failure to do so could invalidate your insurance. You must continue to keep Insurers updated with all relevant information at all times.

When you renew your policy you must sign and date the Renewal Summary of Facts and Declaration of Health and return it to us.

Cancellation rights

If you decide not to continue with the policy within the first 14 days, your premium will be refunded in full, providing that you have not claimed on your policy.

If you have claimed on your policy then the full annual premium must be paid and no return of premium will be given for a cancellation.

If the full annual premium has not been paid we may deduct the outstanding premium from any claim made.

If you cancel the policy after the first 14 days, the policy will be cancelled in accordance with the refund table detailed in your policy wording.

Terms & conditions

How to notify us of a claim
You must notify us of any potential claim within 60 days of the date the incident first occurred from by calling us on 08453 313080 for a claim form. If you fail to notify us in the specified period it will result in the rejection of your claim.

The claim form is to be completed and returned to us with supporting reports and documents from related professionals, for example veterinary surgeons for vets fees claim. If they charge a fee to do this the cost must be met by you as your policy does not cover such costs.

If you provide false information on any claim form, we will not pay your claim and reserve the right to prosecute.

Complaints
If you have a complaint about your policy, claim or our service, you should contact the Claims Manager at: AmTrust Equine, 60-61 Cressex Enterprise Centre, Lincoln Road, High Wycombe, Buckinghamshire HP12 3RL. You will be contacted within 5 working days.

If AmTrust Equine are unable to resolve the complaint within 4 weeks, you can contact the Operations Manager at: AmTrust International Underwriters Limited, 123 Lower Baggot Street, Dublin 2, Ireland

If you remain unsatisfied you can refer the matter to the Financial Ombudsman Service. Further information is available at www.financialombudsman.org.uk or call 08450 801800.

Compensation arrangements

We are covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if we cannot meet our obligations. Further information about compensation scheme arrangements is available from the FSCS at www.fscs.org.uk.

Documents

Policy wording printable PDF
Key facts printable PDF