Horse insurance, trailer insurance, equestrian insurance. Low cost equine insurance specialists – Am Trust.
HORSE AM TRUST EQUINE INSURANCE

Policy wording


General definitions

Section 1: Death of horse
Section 1: Theft or straying
Section 2(A): Veterinary fees cover
Section 2(B): Hospitalisation costs
Section 3: Third party liability
Section 4: Personal accident and dental cover
Section 5: Saddlery and tack
Section 6: Permanent loss of use 75% or 100%
Section 7: Horse trailers and horse drawn vehicles

General conditions
Claims procedure – how to claim
Important claim conditions

Customer care
Complaints
Data protection

General definitions

Accidental, External and Visible Injury
Physical, external, and visible injury, occurring immediately and involving an open wound (i.e. kicks, cuts and puncture wounds etc.) or fracture.
Alternative Treatment
Treatment carried out on the recommendation of a vet by persons other than a qualified vet.
Certificate of Insurance
The Policy document which personalises the terms and conditions of the policy for you and shows the details of the policyholder, horse details, tack details, trailer details and any extra exclusions and clauses that apply to your policy.
Class of Use
Class A:
Breeding, Combined Training, Dressage, Driving (Private), Eventing (BE Intro and Pre-Novice), Gymkhanas, Hacking, Heavy horses, Horseball, Horses at grass, Jump Cross, Le Trec, Long distance (up to 25 miles), Hunter Trials, Novice Cross Country, Riding and Pony Club, Retired horses, Schooling, Showing, Showjumping, UK Chasers, Western Pleasure, Young Stock.
Class B – Class A Activities Plus:
Driving (Competition), Eventing (BE Novice and Intermediate), Hunting, Long distance (over 25 miles)
Class C – Class A & B Activities Plus:
Eventing (Advanced level), Polo, Polocrosse, Team Chasing. Note: Loss of Use not available for Class C.
Condition
The presence of an illness or injury.
Contract of Insurance
The Policy is a contract between you (The Policyholder) and us AmTrust International Underwriters Limited trading as AmTrust Equine (The Insurer). The contract is made up of your Summary of Facts, The Certificate of Insurance and this Policy, and is based on the information you have given us and your agreement to pay the premiums for this insurance. It is essential that you provide all material information that is likely to influence the acceptance and assessment of this insurance. If you have any doubts about whether a fact is material or not, it should be disclosed. Failure to disclose any material facts may invalidate your Policy or may result in the Policy not operating fully. The Certificate and endorsements form part of the Policy. This Policy and any endorsements to it provide insurance for the sections of cover you have selected for an event occurring within the period of insurance. The sections you have covered are shown on your Certificate.
The Policy only applies within the United Kingdom, The Isle of Man and the Channel Islands. These limits may be extended upon agreement with us to cover temporary visits to other parts of Europe for a maximum of 20 days during each Policy year.
Excess
The amount stated on the Certificate of Insurance that you must pay in the event of a claim.
Fair and Reasonable Treatment
Diagnostics, treatment and medication appropriate to and consistent with the injury or illness sustained.
Government Action
Shall mean marshal law, confiscation, nationalisation, requisition or destruction of property by or under the order of any government or public or local authority or any action taken in controlling, preventing, suppressing or in any way relating to war.
Initial Policy Period
The first year the policy ran prior to any renewal taking place.
Market Value
The current usual price for similar horse/trailer/horse drawn vehicle/tack and saddlery.
Period of Cover/Policy Period
The time during which the insurers are on risk as stated in the Certificate of Insurance.
Replacement Value
The price normally paid for saddlery and tack of the same style and brand as the lost item or items.
Saddlery and Tack
Saddles, leathers, irons, girths, bridles, bits, harnesses and boots worn by the insured animal in the course of its insured activities as stated on the Certificate of Insurance. (Rugs, blankets, clothing and stable accessories not included.)
Sum Insured
The amount that you choose, and that we agree to insure the horse/trailer/horse drawn vehicle/tack for.
Terrorism
Terrorism shall mean acts of persons acting on behalf of, or in connection with, any organisation which carries out activities directed towards the overthrowing or influencing, by force or violence, of Her Majesty's government in the United Kingdom or any other government de jure or de facto.
The Horse/Trailer
The horse or the trailer identified on the Certificate of Insurance.
The Policy
The Certificate of Insurance, the Summary of Facts and the Policy Wording.
The Policyholder
The person named on the Certificate of Insurance.
Third Party
A person or persons whom you are not related to or associated with.
Vet
A registered veterinary surgeon.
War
War shall mean war, invasion, acts of foreign enemies hostilities or war like operations (whether war be declared or not) civil war, mutiny, civil commotion assuming the proportions of or amounting to popular rising, military rising, insurrection, rebellion, revolution or military usurped power.
We/us/our/the insurer
AmTrust Equine a business name of AmTrust International Underwriters Limited, 123 Lower Baggot Street, Dublin 2, Ireland. Authorised and Regulated by the Irish Financial Services Regulatory Authority Passporting in to the UK under FSA reference 203014.

Section 1: Death of horse

Cover
If the insured horse dies or is humanely destroyed as a result of an injury, illness or disease sustained and reported during the period of the Policy. If the horse is humanely destroyed we will only provide cover if this is necessary to relieve incurable and excessive pain and where no other treatment is available and the humane destruction complies with the BEVA guidelines provided for vets.
Special conditions:
  1. In the event of death or humane destruction, you must at your own expense immediately arrange for a post mortem examination.
We will pay:
  1. The fair market value of the horse or sum insured whichever is less.
  2. Up to £250 for humane destruction and/or disposal of your horse's body providing a claim is payable under this section of the cover.
We will not pay:
  1. If the horse is humanely destroyed without our permission, except if the attending vet believes the horse is suffering from an injury or illness that cannot be cured or treated, and your horse is in so much pain that it is inhumane to keep it alive until we are contacted. BEVA guidelines must be observed.
  2. If the horse is destroyed under the order of any government, local authority or any other authority.
  3. Any amount if the death or humane destruction occurs more than 12 months after the onset of the injury or illness that gave rise to the death or humane destruction.
  4. Any amount for death arising from you using the insured horse for any purpose other than those within the Class of Use specified in the Certificate or any endorsements to the Certificate of Insurance.
  5. Any amount for death or humane destruction of any horse aged 17 and above except as a direct result of an accidental external visible injury unless agreed by us and stated on the Certificate of Insurance.
  6. Any amount for death of a foal aged less than 30 days.
  7. Any amount for death of a foal aged 30 days to 179 days except as a direct result of an accidental external visible injury.
  8. Any amount for death as a result of the horse being given drugs or medication other than as directed by a vet.
  9. Any amount for death as a result of an intentional injury by you, your family, employees or apprentices.
  10. Any amount for the horse being humanely destroyed as a result of it not being able to carry out its normal duties.
  11. Any amount in respect of the death of a mare's unborn foal.
  12. Any amount if the death or humane destruction was caused by an illness first occurring during the first 14 days of the initial Policy period.
  13. Any amount in respect of fees for a post mortem examination.
  14. More than the maximum benefit in respect of humane destruction and/or disposal of the horse's body.
  15. Any amount in respect of death or humane destruction first reported to us more than 60 days from the date of the death or humane destruction.
Important notes:
  1. In the event of a claim for the death of the horse, you will be required to provide proof of ownership and value, including passport, bill of sale or receipt, vaccination records, breed papers, competition records. No claim for death will be paid for any horse over 6 months of age without the presentation of the horse's DEFRA approved passport.
  2. If you do not insure your horse for its full reasonable value, we reserve the right to pay the percentage of your claim equal to the value percentage insured. For example, if your horse's value is £8,000 and you insure at £4,000 your settlement will be limited to 50% of sum insured i.e. £2,000.
  3. In the event a claim is paid for theft or death of the insured horse, the Policy will cease from the date the claim is settled and any outstanding premium must be paid.

Section 1: Theft or straying

Cover
If the insured horse is stolen or strays during the Policy period and is not recovered within 90 days of being reported to the police.
Special conditions:
  1. You must notify the police as soon as you discover that the horse is missing. A crime reference number must be obtained.
  2. If the horse is recovered after we have settled your claim, you must repay to us the full amount paid in respect of your horse's value.
  3. If we settle a claim for theft or straying of the insured horse, the policy will be cancelled with effect from the date your horse went missing, you will not be entitled to any refund of premium.
We will pay:
  1. The fair market value of the horse or sum insured whichever is less.
  2. Up to £200 for advertising and reward that could lead to the horse's recovery.
  3. If you do not insure your horse for its full reasonable value, we reserve the right to pay the percentage of your claim equal to the value percentage insured. For example, if your horse's value is £8,000 and you insure at £4,000 your settlement will be limited to 50% of sum insured i.e. £2,000.
We will not pay:
  1. If you or any person acting on your behalf has handed the insured horse over to a third party unless the third party is a professional service provider i.e. transportation service, trainer, livery service.
  2. Any amount in respect of an unborn foal carried by a stolen/straying mare or a foal at foot unless the foal itself is the subject of this policy.
  3. Any reward to a member of your immediate family or any person living with you or employed by you.
  4. Any other financial loss, cost or expense brought about by the theft or straying of the horse.
  5. More than the Sum Insured.
  6. Any amount before 90 days has passed since the theft or disappearance was reported to the police.
  7. Any amount in respect of theft or straying first reported to us more than 60 days from the date of the theft.
Important note:
  1. In the event of a claim for theft or straying, you will be required to provide proof of ownership and value, including passport, bill of sale or receipt, vaccination records, breed papers, competition records.
  2. No claim for theft or straying will be paid for any horse over 6 months of age without the presentation of the horse's DEFRA approved passport.

Section 2(A): Veterinary fees cover

Cover
If the insured horse requires veterinary attention, treatment or surgery following an accident, illness, injury or disease first occurring during the Policy period.
Special conditions:
  1. You must immediately arrange at your own expense for a qualified vet to treat your horse if it shows any clinical signs of injury or illness.
  2. You must inform us as soon as possible if your horse is injured or becomes ill and may require veterinary attention – regardless of whether you expect to make a claim.
  3. You must allow the attending vet to take the horse away for treatment if necessary.
  4. In the event we require a second opinion on your horse's condition or course of treatment, you must allow our own consultant vet to examine the horse at any stage during the claim procedure. If there is any disagreement between your vet and ours over the diagnosis, treatment, condition or incapacity of the horse, the horse shall be referred to an independent veterinary specialist mutually agreed upon by both parties.
    The decision of the independent vet shall be binding on both parties, who will share the cost of the appointment equally if the opinion of our vet is upheld. If the parties cannot agree to the appointment of the independent veterinary specialist within 30 days of a party requesting the appointment of an independent veterinary specialist, then the parties shall request the President of the Royal College of Veterinary surgeons to appoint an independent veterinary specialist.
  5. You must ensure that your horse is kept vaccinated against tetanus and flu and wormed on a regular basis. If you choose not to keep your horse vaccinated and wormed, we will not pay any claims that result from an illness that would have been prevented had the vaccinations been up to date or worming been regular.
  6. Proper attention to dental care must be provided, if you do not have your horse's teeth examined on an annual basis, we will not cover any loss that could have been prevented by annual dental check ups and maintenance.
  7. You must at all times provide proper daily care and attention to the insured horse.
  8. We reserve the right to investigate and challenge any charges made in respect of misdiagnosis, excessive or unnecessary treatment, or any negligence in the treatment of the insured horse.
We will pay:
Up to the maximum benefit shown on the Certificate of Insurance for fair and reasonable treatment for:
  1. Vet's fees for attending and treating the insured horse.
  2. Fees for referral to a veterinary hospital or specialist equine clinic provided that this is at the recommendation of the attending vet and agreed by us.
  3. Costs in respect of alternative treatment carried out by a qualified specialist in respect of remedial farriery, osteopathy, physiotherapy, acupuncture or homeopathy. Cover for alternative treatment applies only where such treatment has been specifically recommended by the attending vet and agreed by us prior to the treatment. This amount is limited to £500 and forms part of the total limit shown in the Certificate of Insurance.
    Please note: In respect of remedial farriery we will pay the difference between the cost of your normal shoeing and the remedial shoeing.
  4. Costs in respect of diagnostic investigations where clinical evidence of injury or illness is established. This amount is limited to £1,200 and forms part of the total limit shown in the table of cover.
We will not pay:
  1. More than the maximum benefit as stated on the Certificate of Insurance.
  2. The cost of any treatment carried out after 12 months from the original date of the onset of the injury/illness/disease.
  3. The cost of any medications or materials prescribed or to be used after 12 months of the original date of the onset of the injury/illness/disease.
  4. The cost of any preventative treatment or medication.
  5. The cost of any treatment in respect of a condition or illness excluded by the Policy and stated on the Certificate of Insurance.
  6. Any amount related to treatment required due to a condition that in the opinion of a qualified vet existed prior to the commencement of the Policy.
  7. Any amount for vaccinations, normal foaling, and castration, including any operation as a result of retained testicles, routine dental treatment or wolf teeth.
  8. Any amount related to behavioural problems or the investigation into poor performance where no clinical injury or illness is established. Hospitalisation Costs: here
  9. Any amount in respect of fees arising from an injury or illness caused by using the insured horse for a purpose not covered by the 'Class of Use' stated on the Certificate of Insurance.
  10. Any amount in respect of elective or cosmetic treatments or surgery.
  11. Any amount in respect of alternative treatments that have not been recommended by the attending vet and approved by us.
  12. Any cost for transportation of an insured horse to or from a place of treatment unless specifically at our request.
  13. Livery costs, bedding or feeding whilst a horse is kept at a veterinary hospital or clinic.
  14. Any costs relating to the need for an upgrade in livery arrangements such as a grass kept horse requiring a stable for box rest or nonveterinary charges for changing dressings.
  15. More than the maximum benefit in respect of diagnostic investigations, alternative treatments or remedial farriery.
  16. Any amount in respect of fees required as a result of an occurrence within the first 14 days of insurance unless relating to accidental, external injury.
  17. Any amount for fees in respect of humane destruction, post mortem, removal and disposal of carcass and cremation fees.
  18. Any amount stated as the excess in the Certificate of Insurance.
  19. Any amount in respect of a claim first reported to us more than 60 days from the date the vet was first contacted.
  20. Any amount for alternative treatment requested or administered prior to veterinary consultation and approval by us.
  21. Any amount for postage charges or interest charges made by your vet.
  22. Any amount for any illness or condition occurring within the first 45 days of the Policy if our vet thinks that the illness/condition existed prior to the commencement of the Policy and may have been concealed by medication unless a blood test was carried out at the start of the Policy and medications were not present.

Section 2(B): Hospitalisation costs

Cover
Additional to a claim payable under section 2A (Vets Fees Cover) only. In the event that the insured horse needs to remain at the veterinary hospital or clinic, cover is extended to pay for livery costs, feed and bedding whilst the horse is staying at the hospital.
We will pay:
Up to £1,000 per Policy period limited to £500 per claim incident:
  1. For reasonable charges in respect of feed, bedding and livery charges whilst the horse is being kept at a hospital or clinic for veterinary reasons.
We will not pay:
  1. More than the maximum benefit as stated on the Certificate of Insurance.
  2. Any amount for livery, feed, bedding or services provided by any establishment that is not a veterinary hospital.
  3. Any amount for livery, feed, bedding or services that are not related to a payable claim under section 2A (Vets Fees Cover) of this Policy.

Section 3: Third party liability

Cover
In the event that a third party's property is accidentally damaged or a third party is injured or killed as a result of an incident involving the insured horse, horse trailer or horse drawn vehicle.
Special conditions:
  1. You must inform us immediately if your horse, trailer or horse drawn vehicle is involved in an incident that could lead to a claim from a third party.
  2. You must not under any circumstances admit liability, negotiate or agree to pay any amount to another person following an incident.
  3. We will be entitled to take over and conduct in your name the defence and settlement of any claim. We may also prosecute at our own expense and on our own behalf any claim for indemnity or damages.
  4. You must send to us any writ, summons and all correspondence concerning a third party claim immediately.
  5. You must not reply to any correspondence yourself.
  6. Once settlement has been made, we will not be liable for any further compensation, cost or expense, except paying any outstanding costs and expenses from before the settlement date.
  7. This cover applies only within the United Kingdom, The Isle of Man and the Channel Islands and will not apply to any action for damages brought against the insured in any countries outside the United Kingdom, The Isle of Man and the Channel Islands.
We will pay:
Up to the maximum liability of £1,000,000 for any one claim or series of claims arising out of any one event for:
  1. Damages (including interest thereon) and the claimant's costs and expenses awarded against you by a court of law.
  2. All costs and expenses incurred by you in defending a claim provided you have our written consent.
We will not pay:
  1. More than the maximum indemnity limit.
  2. Any defence costs that we have not agreed to.
  3. Any compensation, costs and expenses in respect of liability you have under contract unless you would have been held liable if the contract had not existed.
  4. Any compensation, cost or expense if the person injured or killed as a result of the accident is a member of your immediate family, lives with you, is employed by you or has care custody and control of your horse, trailer or horse drawn vehicle.
  5. Any compensation, cost or expense in respect of fences, walls, gates and agricultural crops damaged whilst your horse, horse trailer or horse drawn vehicle is being led, ridden or driven.
  6. Any compensation, cost or expense arising from hiring out the insured horse, horse trailer or horse drawn vehicle or allowing its use by a riding school, pony, horse, carriage rides or any other business.
  7. Any compensation, cost or expense arising from hiring out the horse, trailer or horse drawn vehicle or using it for racing of any kind.
  8. Any compensation, cost or expense in respect of your horse trailer while attached to or becoming detached from a vehicle that requires third party cover under the road traffic acts.
  9. Any compensation, cost or expense for a horse drawn vehicle on the public highway not being drawn by the insured horse.
  10. Any compensation, cost or expense in respect of breeding or attempting to breed from the insured horse.
  11. Any compensation, cost or expense in respect of injury to anyone in a horse drawn vehicle.
  12. Any amount stated as the excess on the Certificate of Insurance.
  13. Any liquidated damages, fines or penalties.
  14. Any punitive, exemplary or aggravated damages or any additional damages resulting from the multiplication of compensatory damages.
  15. Any compensation, cost or expense for any legal liability of whatsoever nature directly or indirectly caused by or contributed to by or arising from, War, Government Action or Terrorism.
  16. More than the current market value of the vehicle at the time of the incident in respect of liability for damage to a motor vehicle.

Section 4: Personal accident and dental cover

Cover
In the event that you (the Policyholder) or any person handling or riding the insured horse receive an accidental injury whilst riding or handling the insured horse which causes death or permanent disability within 12 months of the accident.
Special conditions
  1. You must seek medical attention as soon as possible following an accident.
  2. You agree that we may appoint our own medical advisors to examine you as often as necessary.
  3. If the accident occurs whilst mounted and you are not wearing "BSI Approved Protective Headgear" the amount we pay will be reduced by up to 50%.
  4. In the event that we pay a claim for Permanent Total Disability and you recover and are able to resume work of any kind, you must return any money we paid to you immediately.
Definitions
Loss of limbs
A hand being severed at or above the wrist, the foot being severed at or above the ankle, or, total and permanent loss of use of a hand, arm or leg.
Loss of Sight
Being certified as totally and permanently blind by a doctor.
Permanent Total Disability
If as a result of an accident, you will never be able to carry out any type of work.
Dental Treatment
Treatment you need to your teeth or gums as a result of being injured whilst riding or handling the insured horse.
We will pay:
In respect of Persons aged (inclusive) Up to a maximum liability of
A) Death 5 to 17 years
18 to 70 years		 £5,000
£10,000
B) One or both hands or arms 5 to 17 years
18 to 70 years		 £5,000
£10,000
C) Total permanent blindness in one or both eyes 5 to 17 years
18 to 70 years		 £5,000
£10,000
D) Loss of one or both feet or legs 5 to 17 years
18 to 70 years		 £5,000
£10,000
E) Permanent total disability rendering you unfit for work of any kind 5 to 17 years
18 to 70 years		 £5,000
£10,000
F) Emergency Dental treatment as a result of an accident 5 to 70 years £1,000

Section 5: Saddlery and tack

Cover
If saddlery and tack belonging to you is lost, stolen or damaged during the period of cover.
Special conditions:
  1. Claims for theft will not be paid until items have been missing for 30 days or more from the date the theft was reported to the police.
  2. We reserve the right to replace items instead of reimbursement. This will be entirely at our own discretion.
  3. You must notify the police as soon as you discover any theft has occurred. A crime reference number must be obtained.
  4. If your tack is recovered undamaged, you must repay the full amount we have paid to you.
  5. If your tack is recovered damaged, you must arrange to have it sent to us.
We will pay:
  1. The replacement value up to the limit shown on the Certificate of Insurance if the cost of repair is more than it was worth, or it is lost stolen or destroyed. (Units of £1,500 maximum 3 units)
  2. The cost of repairing the saddlery and tack if it is damaged to bring it back to the same condition it was in before it was damaged.
We will not pay:
  1. Any amount in respect of rugs, blankets, clothing, personal belongings, accessories, grooming and stable equipment and clippers.
  2. More than the maximum benefit stated on the Certificate of Insurance.
  3. Any amount for items stolen from unlocked vehicles or any vehicle locked or otherwise where the items have not been stowed out of sight in a covered luggage area.
  4. Any amount for saddlery and tack that is not owned by you.
  5. Any amount for the theft of saddlery and tack, except as a result of forceful entry into a private house or a building secured by a 5 lever mortice deadlock, or other security specifically agreed by us and stated on the Certificate of Insurance.
  6. Any amount for saddlery and tack being destroyed or damaged by wear and tear, moths, mildew, insects or vermin.
  7. Any amount for tack damaged by cleaning, dyeing or restoration.
  8. Any amount to have your tack adjusted to fit any horse.
  9. Any amount stated as the excess on the Certificate of Insurance.
  10. Any unexplained disappearance.
  11. More than £400 for any saddle or individual item of tack that you do not have a formal proof of purchase for which shows the make, model, purchase price and date of purchase or a valuation certificate.

Section 6(A) or (B): Permanent loss of use 75% & 100%

Cover
If during the policy period the insured horse sustains a physical accidental injury or contracts a physical illness that permanently prevents it from performing the duties as stated on the Certificate of Insurance under 'Primary Activities'.
Special conditions:
  1. On settlement, we shall be released from all liability under this policy for the disabled animal.
  2. If within 24 months of a settlement for loss of use being paid, the insured horse becomes capable of the lost use specified on the Certificate of Insurance and claimed for, the amount paid must be immediately refunded to us.
  3. No claim under this section will be paid until the insured horse has been humanely destroyed or freeze marked with the designated mark specified by us to signify that a loss of use claim is being paid on this horse.
  4. If there is any disagreement between your vet and our own over the said incapacity of the horse, the horse shall be referred to an independent veterinary specialist mutually agreed upon by both parties. The decision of the independent vet shall be binding on both parties, who will share the cost of the appointment equally if the opinion of our vet is upheld.
    If the parties cannot agree to the appointment of the independent veterinary specialist within 30 days of a party requesting the appointment of an independent veterinary specialist, then the parties shall request the President of the Royal College of Veterinary surgeons to appoint an independent veterinary specialist.
  5. In the event a claim is paid for Loss of Use in respect of the insured horse, The Policy will cease from the date the claim is settled and any outstanding premium must be paid.
We will pay:
Up to the percentage limit stated on the Certificate of Insurance:
  1. If the horse is humanely destroyed for economic reasons.
  2. If the horse is kept in retirement or semi-retirement and freeze branded with the 'Loss of Use' mark.
We will not pay:
  1. More than the sum insured or percentage of the sum insured as stated on the Certificate of Insurance.
  2. Any amount if the permanent loss of use happens more than 12 months after the original date of onset of the injury/illness/disease causing the loss of use.
  3. Any amount for permanent loss of use if your vet and our vet do not agree that the horse will permanently incapable of returning to the activities stated in the Certificate of Insurance under 'Primary Activities'.
  4. Any amount for permanent loss of use caused by an injury, illness or disease that occurred before the start of the period of cover.
  5. Any amount for permanent loss of use caused by an injury, illness or disease sustained while the horse is being used for any purpose not covered under the 'Class of Use' stated on the Certificate of Insurance.
  6. Any amount for loss of use caused by an illness or disease sustained within the first 14 days of the original policy period.
  7. Any amount for loss of use if the insured horse is incapable of breeding for any reason other than as a result of an injury, illness or disease.
  8. Any amount for permanent loss of use if the insured horse is under 4 years or over 15 years of age.
  9. Any amount for permanent loss of use in respect of disfigurement that renders the insured horse unsuitable for showing.
  10. Any amount for loss of use in respect of association or society rulings that prevent its entry into any showing or competitive class.

Section 7: Horse trailers and horse drawn vehicles

Cover
In the event that the insured horse trailer or horse drawn vehicle used for private purposes is damaged or stolen.
Special conditions:
  1. Cover in respect of theft is only in force when a serial number or other accepted form of identification agreed by us has been supplied and noted on your Certificate of Insurance.
  2. If you have not insured your horse trailer or horse drawn vehicle for its full value we reserve the right to pay only a percentage of your claim. The percentage we will pay will be based upon how much of the full value the amount you have insured the vehicle for represents.
  3. If your trailer or horse drawn vehicle is found, you must repay the full amount we have paid you.
  4. In the event a claim is paid for theft or total loss of the insured vehicle, the policy will cease from the date the claim is settled and any outstanding premium must be paid.
We will pay:
The cost of economic repairs or up to the sum insured of the vehicle or the fair market value of the vehicle whichever is less if:
  1. The vehicle is stolen and not recovered within 30 days of the date the theft was reported to the police.
  2. The vehicle is damaged by fire, accidental or malicious causes.
We will not pay:
  1. More than the sum insured stated on the Certificate of Insurance.
  2. Any amount in respect of damage or loss to the vehicle whilst being used for racing.
  3. Any amount in respect of damage or loss of the vehicle if being used for hire and reward or any business purpose.
  4. Any amount if the vehicle is stolen unless wheel clamped, hitch locked or securely locked in a barn or building – unless it is in use and attached to the towing vehicle away from its normal place of keeping.
  5. Any amount in respect of loss or damage arising from moths, mildew, vermin, wear and tear, reduction in value, manufacturing defects or any process of cleaning, dyeing, upgrading or restoring.
  6. Any amount for mechanical or electrical breakdown, failed, punctured or burst tyres or any breakdown or damage caused by failure to operate in accordance with the manufacturers instructions.
  7. Malicious damage caused by you, your family, employees or apprentices.
  8. Any consequential loss (a side effect loss which is further to the loss you are insured for).
  9. Any unexplained disappearance.
  10. Any amount for third party damages (this should be covered by the insurance policy of the towing vehicle or driving horse(s)).
  11. Any amount stated as the excess in the Certificate of Insurance.
  12. Any amount in respect of wheel clamps and hitch locks or any other security device lost or damaged.
  13. Any costs for storage or recovery of the damaged or recovered vehicle.

General conditions

  1. At the start of the initial Policy, all horses insured must be in good health and free from any illness, disease, injury, lameness or physical disability unless disclosed to and accepted by us. If after we accept your Policy, we are made aware of a pre-existing condition or incident that happened before the start of this Policy or before any horse wasaddedto this Policy,we may change the standard premium and terms and conditions and add exclusions backdated to the inception date.
  2. If a vet who has treated your horse or is about to treat your horse asks for information about your insurance that relates to a claim, we will tell the vet what your insurance covers, how the amount we pay is calculated, and if we have paid your claim and if your premiums are up to date.
  3. This Policy does not cover any claim arising from an accident, illness or disease occurring before the start of this Policy or before any horse is added to this Policy.
  4. This Policy does not cover any claim arising from your acting or behaving unlawfully.
  5. At the start of this policy you must advise us if you are not the sole owner of the insured horse, and provide the name and address of any interested party.
  6. You must at all times provide proper care and attention for the insured horse. It must be regularly wormed and inoculated against tetanus. Feet should be regularly trimmed and balanced by a registered farrier and an annual dental inspection and treatment carried out as required.
  7. In the event of any accident, illness, disease or incident, you must immediately inform us by telephone, fax or e-mail, no later than 60 days from the date of the incident.
  8. The Certificate of Insurance including any endorsements, this Policy Wording and the Summary of Facts form the contract.
  9. The insured horse must not be used for any purposes other than those specified under class of use on the Certificate of Insurance or endorsements to the Certificate.
  10. If any claim arising under this Policy is covered by any other insurance, we will not pay more than our share of this claim (this condition does not apply to Section 4).
  11. If any claim is fraudulent or not proved, we will not provide any benefit.
  12. We may settle any claim by making cash payment or by reinstating, repairing or replacing the item (this condition applies to tack, trailers and horse drawn vehicles).
  13. We reserve the right to instruct loss adjusters and any other investigative services to assist us with the assessment of any claim.
  14. When you claim you agree to provide us with any information we reasonably request, if there is a charge for this you must pay the charge.
  15. If you make a false or exaggerated claim or any claim involving your dishonesty your Policy will end and we will not make any payments.
  16. You may cancel this insurance at any time. If you cancel this insurance, you will receive a refund of your premium as shown in the table below provided that no claims have been made in the current period of insurance. If you pay by direct debit instalment you will be liable for any early cancellation fees that the finance company pass on to us.

Time the policy has run Amount of refund
Up to 14 days 100% of annual premium
15 days to 1 month 90% of premium
Under 2 months 80% of annual premium
Under 3 months 70% of premium
Under 4 months 60% of annual premium
Under 5 months 50% of premium
Under 6 months 40% of annual premium
Under 7 months 30% of premium
Under 8 months 20% of annual premium
Under 9 months 10% of premium
Over 9 months No return of premium

  1. We may cancel this insurance by sending to you 7 days notice by recorded delivery to your last known address. Our notice will state when the Policy will end and we will refund to you a pro-rata return of premium for the un-expired portion of the current period provided that no claim has been made.
  2. You may cancel this Policy within 14 days of receiving your Policy documents if the Policy does not meet your needs. We will refund any amount you have paid as long as no claims have been made during such period.
  3. The Policy of insurance is an annual contract that can be paid monthly. If the monthly payment option is chosen, claims will only be paid on the understanding that the remaining monthly premiums for that premium year will still be collected and we reserve the right to require the annual premium to be paid in full, prior to payment of the claim.
  4. If the annual payment option is chosen and a claim is paid, no premium will be refunded if cancelled during the same period of insurance.
  5. You are only covered under this insurance if you pay the premium. If you pay the yearly premium by instalments and you miss an instalment you will have to pay this instalment immediately. If payment is not made within 10 days of the missed payment the Policy will stop automatically and we will not make any further claim payments.
  6. You may choose the law that will apply to the Contract of Insurance. Unless otherwise agreed in writing by us, this contract shall be subject to English Law.
  7. We will only provide cover under this Policy if all its conditions are met and all the information you give or have given us is true to the best of your knowledge.
  8. Where cover is restricted to accidental, external and visible injury only, no cover is provided for losses arising from tendon, ligament or muscle strain or any internal or degenerative condition.
  9. All cover will cease when you are no longer the owner or loaner of the insured horse/trailer/horse drawn vehicle.
Renewal
  1. Regardless of your claims history at renewal we have the right to amend your Policy terms and conditions. This may include:
    1. increasing the premium
    2. imposing terms such as the application of higher excesses
    3. excluding cover
    4. amending the Policy wording
    5. changing your payment type
  2. Renewal of any Policy is at the our discretion. We have the right not to invite renewal. We will notify you in writing to your last known address if this is the case.
  3. If after we offer to renew your Policy, you tell us of an incident that happened during an earlier period of cover, we may change the standard premium and terms and conditions and add exclusions backdated to the renewal date.
  4. We will accept no responsibility for any Policy holder not receiving their renewal notice/invitation.
General exclusions
This policy does not cover the following:
  1. Loss or destruction of, or damage to, any property, or expenses arising from any consequential loss. (That is any loss that occurs as an indirect consequence of an insured loss).
  2. Any legal liability directly or indirectly caused by, or contributed by, or arising from:
    • Ionising radiation or radioactive contamination from any nuclear fuel or from any nuclear waste arising from nuclear fuel being burnt.
    • Radioactive, poisonous, explosive or other dangerous properties or any explosive nuclear equipment or nuclear part of any equipment.
    • War, government action, terrorism, computer virus and hacking, invasion, riot, revolution or any similar event.
    • Pressure waves caused by aircraft and other flying devices travelling at or beyond the speed of sound (this exclusion does not apply to Sections 3 and 8).
  3. Losses arising from you acting or behaving unlawfully.

Claims procedure – how to claim

  • Call us on 08453 313 080 or fax us 0845 313 090 to get a claim form sent to you.
  • We will send you a partially completed claim form based on the information you have so far provided. (Please check the details and amend if necessary.)
  • Complete the claim form fully and accurately and, in the case of a claim for veterinary fees, death or loss of use – ask your vet to complete the veterinary report form.
  • Return the completed forms as soon as possible (invoices related to your claim can accompany your form or be sent separately when you receive them)
  • We will advise you if any further documentation or information is required in order to assess the claim.

Important claim conditions

You must notify us of any condition, injury or occurrence that could give rise to a claim within 60 days of the incident – in the case of veterinary claims, these 60 days will be deemed to have started on the day your vet was contacted.

If your horse dies or is humanely destroyed, you must arrange for a vet to confirm the cause of death by post-mortem examination. The cost of this examination will be your responsibility. For any theft claim or disappearance, you must immediately inform the local police station, a crime reference number must be obtained. In the case of a claim for theft, formal proof of purchase or a valuation certificate will be required for any item of tack that valued at £400 or more.

Customer care

We intend to provide you with accurate information, clear documentation and efficient service at all times. If we do make a mistake, we will make every effort to resolve the problem immediately. If you have any question about your policy please call us on: 08453 313 080

Complaints

If you have any questions or concerns about your insurance or the handling of a claim, you should in the first instance contact:

The Claims Manager
AmTrust Equine
60-61 Cressex Enterprise Centre
Lincoln Road
High Wycombe
Buckinghamshire
HP12 3RL

We will respond to you within five working days of receiving your complaint. We will make every effort to resolve your complaint within four weeks, if we are unable to do so we will advise you when you can expect an answer.

If you remain unsatisfied after contacting the Claims Manager at AmTrust Equine, you can contact the Operations Manager at AmTrust International Underwriters Ltd, 123 Lower Baggot Street, Dublin 2, Ireland.

If the matter has still not been resolved you may contact the Financial Ombudsman Service. Further information is available at www.fos.org.uk or call 0845 080 1800.

Data protection

The data supplied by you will only be used for the purposes of processing your insurance policy, including underwriting, administration and the handling of claims. Data will be held in accordance with the Data Protection Act 1998.

We may respond to enquiries by the police, loss adjusters or other insurers, in the normal course of their investigations concerning your policy.

Where necessary to administer your policy effectively or to protect your interests, we may also disclose the data you have supplied to other third parties such as solicitors, vets, repairers or replacement companies.

It is important that the data you have supplied is kept up to date. You should therefore notify us promptly of any changes. You are entitled upon payment of an administration fee to inspect the personal data we are holding about you.

If you wish to make such an inspection you should contact the Operations Manager at AmTrust, International Underwriters,123 Lower Baggot Street, Dublin 2, Ireland.

HORSE FENCE BAR

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AmTrust International Underwriters Limited is authorised in Ireland by the Financial Regulator and is regulated by the Financial Services Authority for the conduct of UK business under 203014.