Rural Insurance Equine

Transcription

1 Rural Insurance Equine Policy Summary Rural Insurance agricultural and rural insurance specialists Tel: Fax: ruralinsurance.co.uk

2 This is a summary of the cover available under the Rural Insurance Group Ltd Equine Policy. The summary does not include all the policy benefits, limits and exclusions; full terms and conditions can be found in the policy wording, a copy of which is available to download from our website or by contacting your insurance adviser. The policy, and not this summary, is the basis of the contract of insurance. The policy is an annual insurance contract that provides a wide range of covers as detailed below. It is underwritten by Rural Insurance Group Ltd on behalf of: Sections A to G: QBE Insurance (Europe) Limited is Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered office: Plantation Place, 30 Fenchurch Street, London, EC3M 3BD, FSA register number is Registered in England No Home state United Kingdom Section H: Legal Insurance Management Limited underwritten by UK General Insurance Ltd with capacity provided by Ageas Insurance Limited. Registered address: Ageas House, Tollgate, Eastleigh, SO53 3YA. Registered in England No With effect from 1 st October 2013 the registered address of Ageas Insurance Limited is Ageas House, Hampshire Corporate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA. Legal Insurance Management Ltd and Ageas Insurance Limited are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. UK General Insurance Limited is authorised and regulated by the Financial Conduct Authority. You can check this on the Financial Services Register by visiting the FCA s website at or by calling the FCA on Our policy provides compensation for loss, destruction, damage, death, disease, illness or liability as requested by You and as described in the policy documents. The sum insured You choose for sections A Loss of Animal and C Loss of Use must represent the current market value or the price paid for the Horse; if they do not, payments may be reduced in the event of a claim. The cover may be varied to meet Your individual needs and will be detailed in any quotation given and thereafter in the policy Schedule. Equine Policy Summary V3 (1) Dec 2012 Page 2 of 6

3 Class Of Use The purpose for which the Horse is kept and insured as shown in the Schedule and defined below: 1. Class 1 Hacking, Pony Club and Riding Club Events, Gymkhanas, Showing, Novice and Intermediate Dressage, Heavy Horses, Western Riding, Breeding, Driving, Foals over 30 Days old, Retired Horses, Field Companions, Young Stock/Store Horses. 2. Class 2 Advanced Dressage, Hunting (including Drag Hunting), Novice and Intermediate Eventing, Long Distance Riding, Polo, Polo Crosse, Cross Country, Team Chasing, Horse Ball, Hunter Trials, British Show Jumping Association (BSJA) Show Jumping, Le Trec. 3. Class 3 Point to Point, Advanced Eventing, Hunter Chasing, Trotting/Pacing Races, Arab Racing and any other defined activity described in the Schedule. Sections of Cover Available A Loss of Animal. (Compulsory Cover) o Death o Theft / Straying o Collection Charges o Rescue Costs o Rewards and Advertising o Irrecoverable Entry Fees B Veterinary Fees. (Optional) o Costs incurred for Veterinary Fees o Alternative Treatment o Alternative Husbandry o Hospital Livery Costs o Transportation Costs C Loss of Use. (Optional) o 75% of the Market Value or of the sum insured whichever is the lesser amount if the insured horse is or becomes Permanently Unable of participating in one or more of the activities for which it is kept. Cover Limits Values up to 100,000 The sum insured or Market Value whichever is the less ,000-10,000 per incident with a maximum of 15,000 per Horse per policy period. Life Saving Treatment only for Class 3 Use. Cover subject to Excess or Co- Insurance Clause The sum insured or Market Value whichever is the less. (Class 1 & 2 Only) D Personal Liability. (Optional) o Liability at law arising out of the use of the Horse. 2,000,000 any one period of insurance. E Saddlery & Tack. (Optional) o Loss, theft or Damage to Saddlery and Tack. Any amount(s) shown in the Schedule. F Horse Trailers & Horse Drawn Vehicles.(Optional) o Loss, theft or Damage to Horse Trailer and Horse Drawn Vehicle. Any amount(s) shown in the Schedule. G Personal Accident. (Optional) o Loss of one or more limbs o Accidental death o Permanent disability o Loss of sight o Dental Treatment H Legal Expenses. (Optional) o Legal expenses and Professional Fees arising from an accident involving the Horse and a third party. Age years Age 5 15 years 1,500 1,500 50,000 Equine Policy Summary V3 (1) Dec 2012 Page 3 of 6

4 Significant Exclusions Any Pre-Existing Condition. The Excess shown in the policy Schedule. Euthanasia of the Horse unless performed by a qualified Veterinary Surgeon in accordance with BEVA (British Equestrian Veterinary Association) guidelines. Any Condition occurring during or before the first 14 days of cover. Any costs incurred after 365 days from the onset of the Accident or Condition. Any Vice or Behavioural problem. Theft of Saddlery and Tack from a building unless by forcible, violent entry or exit. Theft of Horse Trailer or Horse Drawn Vehicle unless secured by a hitch lock or wheel clamp. Liability arising from the hiring out of any Horse by You or its use by any riding establishment. Liability arising from any incident involving Horse Drawn Vehicle or Horse Trailer, unless the Horse Drawn Vehicle or Horse Trailer is drawn by a Horse covered under this policy. Liability relating to Your trade, business or profession. Equine Policy Summary V3 (1) Dec 2012 Page 4 of 6

5 Cancellation Procedure There is an option to cancel this policy within 14 days of receipt of the policy Schedule and wording. A refund of premium will be allowed for the time that was left on the policy. If it is later and there have been no claims made during the current Period of Insurance, We will return a proportionate part of the last premium paid in respect of the unexpired Period of Insurance (subject to a minimum premium of 100) less any policy fees already incurred. Claim Notification For claims under o o Sections A to G Agrical Ltd. Telephone Fax york@agrical.com Section H Legal Insurance Management Limited Claims Helpline for advice and support. Telephone Helpline Number using claims details set out in the policy. Complaints Procedure It is always Our intention to give You the best possible service but if You do have any questions or concerns about this insurance or the handling of a claim you should follow the Complaints Procedure below: Sections A to G Complaints regarding: SALE OF THE POLICY Please contact Your insurance adviser who arranged the Policy on Your behalf. If Your complaint about the sale of Your Policy cannot be resolved by the end of the next working day, Your insurance adviser will pass it to: Customer Relations Department Rural Insurance Group Limited c/o UK General Insurance Limited Cast House Old Mill Business Park Gibraltar Island Road Leeds LS10 1RJ Tel: customerrelations@ruralinsurance.co.uk CLAIMS Please contact Your claims handler. You will find the claims handler s name, phone number or address on any letters they have sent You. In all correspondence please state that Your insurance is provided by Rural Insurance Group Limited and quote the details of Your Policy, the name of the Insured, Policy Number and departmental references. If Your complaint about Your claim cannot be resolved by the end of the next working day, Your claims handler will pass it to: Customer Relations Department Rural Insurance Group Limited c/o UK General Insurance Limited Cast House Old Mill Business Park Gibraltar Island Road Leeds LS10 1RJ Tel: customerrelations@ruralinsurance.co.uk Section H (Legal Expenses) Complaints regarding: SALE OF THE POLICY or CLAIMS Please contact: The Managing Director Legal Insurance Management Limited Hagley Road Stourbridge West Midlands DY8 1PS If it is not possible to reach an agreement, You have the right to make an appeal to the Financial Ombudsman Service (FOS). The FOS is an independent organisation that decides on complaints about general insurance products. They will only consider complaints after We have given You written confirmation that You have been through the Complaints Procedure. You can contact the FOS at: Insurance Division Financial Ombudsman Service South Quay Plaza 183, Marsh Wall London E1 4SR Phone Fax Further information is available at: Your legal rights will not be affected by following the Complaints Procedure or by contacting the FOS. Equine Policy Summary V3 (1) Dec 2012 Page 5 of 6

6 Financial Services Compensation Scheme Rural Insurance Group Limited QBE Insurance (Europe) Limited Ageas Insurance Limited are covered by the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme if any of these companies cannot meet their insurance obligations. This depends on the type of business and the circumstances of the claim. For compulsory insurance You may be entitled to compensation up to 100% of the claim. For all other types of insurance You may be entitled to compensation up to 90% of the claim. Further information about Compensation Scheme arrangements is available from the FSCS at: or You may write to the Financial Services Compensation Scheme, 10th Floor, Beaufort House, 15 St Botolph Street, London EC3A 7QU. Their telephone number is Equine Policy Summary V3 (1) Dec 2012 Page 6 of 6

7 Authorised and regulated by the Financial Conduct Authority Rural Insurance agricultural and rural insurance specialists The Lenz Hornbeam Park Harrogate HG2 8RE