Rural Insurance Equine

Transcription

1 Rural Insurance Equine Plicy Dcument Rural Insurance agricultural and rural insurance specialists Tel: Fax: ruralinsurance.c.uk

2 This is a summary f the cver available under the Rural Insurance Grup Ltd Equine Plicy. The summary des nt include all the plicy benefits, limits and exclusins; full terms and cnditins can be fund in the plicy wrding, a cpy f which is available t dwnlad frm ur website r by cntacting yur insurance adviser. The plicy, and nt this summary, is the basis f the cntract f insurance. The plicy is an annual insurance cntract that prvides a wide range f cvers as detailed belw. It is underwritten by Rural Insurance Grup Ltd n behalf f: Sectins A t G: UK General Insurance (Ireland) Limited is authrised and regulated by the Central Bank f Ireland. Registered ffice: Alexandra Huse, The Sweepstakes, Ballsbridge, Dublin 4, Ireland. Registered in Ireland N: Sectin H: Legal Insurance is arranged by Rural Insurance Grup Limited with UK General Insurance Ltd n behalf f Ageas Insurance Limited, Registered in England N Registered Office: Ageas Huse, Hampshire Crprate Park, Templars Way, Eastleigh, Hampshire, SO53 3YA. UK General Insurance Limited is authrised and regulated by the Financial Cnduct Authrity. Ageas Insurance Limited is authrised by the Prudential Regulatin Authrity and regulated by the Financial Cnduct Authrity and the Prudential Regulatin Authrity. This can be checked n the Financial Services Register by visiting the FCA s website at r by calling the FCA n Our plicy prvides cmpensatin fr lss, destructin, damage, death, disease, illness r liability as requested by Yu and as described in the plicy dcuments. The sum insured Yu chse fr sectins A Lss f Animal and C Lss f Use must represent the current market value r the price paid fr the Hrse; if they d nt, payments may be reduced in the event f a claim. The cver may be varied t meet Yur individual needs and will be detailed in any qutatin given and thereafter in the plicy Schedule. Equine Plicy Summary V6 July 2014 Page 2 f 6

3 Sectins f Cver Available A Lss f Animal. (Cmpulsry Cver) Death Theft / Straying Cllectin Charges Rescue Csts Rewards and Advertising Irrecverable Entry Fees B Veterinary Fees. (Optinal) Csts incurred fr Veterinary Fees Dentistry Treatment. Alternative Treatment Alternative Husbandry Hspital Livery Csts Transprtatin Csts C Lss f Use. (Optinal) 75% f the Market Value r f the sum insured whichever is the lesser amunt if the insured hrse is r becmes Permanently Unable f participating in ne r mre f the activities fr which it is kept. Cver Limits Values up t 100,000 The sum insured r Market Value whichever is the less ,000 10,000 per incident with a maximum f 15,000 per Hrse per plicy perid. Life Saving Treatment nly fr Class 3 Use. Cver subject t Excess r C Insurance Clause Up t 1250 per Incident. Up t 750 per Incident. Up t 750 per Incident. 50% f Livery Csts (up t 300 per Incident) Up t 300 per Incident. The sum insured r Market Value whichever is the less. (Class 1 & 2 Only) D Persnal Liability. (Optinal) Liability at law arising ut f the use f the Hrse. 2,000,000 any ne perid f insurance. E Saddlery & Tack. (Optinal) Lss, theft r Damage t Saddlery and Tack. Any amunt(s) shwn in the Schedule. F Hrse Trailers & Hrse Drawn Vehicles.(Optinal) Lss, theft r Damage t Hrse Trailer and Hrse Drawn Vehicle. Any amunt(s) shwn in the Schedule. G Persnal Accident. (Optinal) Lss f ne r mre limbs Accidental death Permanent disability Lss f sight Dental Treatment H Legal Expenses. (Optinal) Legal expenses and Prfessinal Fees arising frm an accident invlving the Hrse and a third party. Age years Age 5 15 years 1,500 1,500 50,000 Class Of Use The purpse fr which the Hrse is kept and insured as shwn in the Schedule and defined belw: 1. All equestrian activities except, Dressage abve elementary level, Shw Jumping abve 1.10m, Eventing abve BE100, Pl, Lng Distance riding ver 25 Miles, Stunt Wrk, Pl Crsse, Hrseball, Team Chasing, Pint t Pint, Hunter Chasing, Arab Racing, Racing (under BHB/Jckey Club Rules), Ice Tlt, Harness Racing. 2. All equestrian activities except, Stunt Wrk, Pint t Pint, Hunter Chasing, Arab Racing, Racing (under BHB/Jckey Club Rules), Ice Tlt, Harness Racing. 3. A specific activity stated in Yur Schedule Equine Plicy Summary V6 July 2014 Page 3 f 6

4 Significant Exclusins Any Pre Existing Cnditin. The Excess shwn in the plicy Schedule. 20% f csts relating t Specialist Diagnstic Investigatins per Incident Dentistry Treatment exceeding 1250 per Incident Euthanasia f the Hrse unless perfrmed by a qualified Veterinary Surgen in accrdance with BEVA (British Equestrian Veterinary Assciatin) guidelines. Any Cnditin ccurring during r befre the first 14 days f cver. Any csts incurred after 365 days frm the nset f the Accident r Cnditin. Any Vice r Behaviural prblem. Theft f Saddlery and Tack frm a building unless by frcible, vilent entry r exit. Thefts f Hrse Trailer r Hrse Drawn Vehicle unless secured by a hitch lck r wheel clamp. Liability arising frm the hiring ut f any Hrse by Yu r its use by any riding establishment. Liability arising frm any incident invlving Hrse Drawn Vehicle r Hrse Trailer, unless the Hrse Drawn Vehicle r Hrse Trailer is drawn by a Hrse cvered under this plicy. Liability relating t Yur trade, business r prfessin. Equine Plicy Summary V6 July 2014 Page 4 f 6

5 Cancellatin Prcedure If Yu decide that fr any reasn, this Plicy des nt meet Yur insurance needs then please return it t < Us r Yur agent > within 14 days frm the day f purchase r the day n which Yu receive Yur plicy dcumentatin, whichever is the later. On the cnditin that n claims have been made r are pending, We will then refund Yur premium in full. If Yu wish t cancel Yur Plicy after 14 days Yu will be entitled t a pr rata return f premium. Thereafter Yu may cancel the insurance cver at any time by infrming <Us r Yur agent > hwever n refund f premium will be payable. The Insurer shall nt be bund t accept renewal f any insurance and may at any time cancel any insurance dcument by giving 14 days ntice in writing where there is a valid reasn fr ding s. A cancellatin letter will be sent t Yu at Yur last knwn address. Valid reasns may include but are nt limited t: a) Fraud b) Nn payment f premium c) Threatening and abusive behaviur d) Nn cmpliance with plicy terms and cnditins Prvided the premium has been paid in full Yu will be entitled t a prprtinate rebate f premium in respect f the unexpired perid shwing n the insurance. Claim Ntificatin Fr claims under Sectins A t G Agrical Ltd. Telephne Fax yrk@agrical.cm Sectin H Legal Insurance Management Limited Claims Helpline fr advice and supprt. Telephne Helpline Number using claims details set ut in the plicy. Cmplaints Prcedure It is always Our intentin t give Yu the best pssible service but if Yu d have any questins r cncerns abut this insurance r the handling f a claim yu shuld fllw the Cmplaints Prcedure belw: Sectins A t G Cmplaints regarding: SALE OF THE POLICY Please cntact Yur insurance adviser wh arranged the Plicy n Yur behalf. If Yur cmplaint abut the sale f Yur Plicy cannt be reslved by the end f the next wrking day, Yur insurance adviser will pass it t: Custmer Relatins Department Rural Insurance Grup Limited c/ UK General Insurance Limited Cast Huse Old Mill Business Park Gibraltar Island Rad Leeds LS10 1RJ Tel: custmerrelatins@ruralinsurance.c.uk CLAIMS Please cntact Yur claims handler. Yu will find the claims handler s name, phne number r address n any letters they have sent Yu. In all crrespndence please state that Yur insurance is prvided by Rural Insurance Grup Limited and qute the details f Yur Plicy, the name f the Insured, Plicy Number and departmental references. If Yur cmplaint abut Yur claim cannt be reslved by the end f the next wrking day, Yur claims handler will pass it t: Custmer Relatins Department Rural Insurance Grup Limited c/ UK General Insurance Limited Cast Huse Old Mill Business Park Gibraltar Island Rad Leeds LS10 1RJ Tel: custmerrelatins@ruralinsurance.c.uk Sectin H (Legal Expenses) Cmplaints regarding: SALE OF THE POLICY r CLAIMS Please cntact: The Managing Directr Legal Insurance Management Limited Hagley Rad Sturbridge West Midlands DY8 1PS Equine Plicy Summary V6 July 2014 Page 5 f 6

6 If it is nt pssible t reach an agreement, Yu have the right t make an appeal t the Financial Ombudsman Service (FOS). The FOS is an independent rganisatin that decides n cmplaints abut general insurance prducts. They will nly cnsider cmplaints after We have given Yu written cnfirmatin that Yu have been thrugh the Cmplaints Prcedure. Yu can cntact the FOS at: Insurance Divisin Financial Ombudsman Service Suth Quay Plaza 183, Marsh Wall Lndn E1 4SR Phne Fax Further infrmatin is available at: Yur legal rights will nt be affected by fllwing the Cmplaints Prcedure r by cntacting the FOS. Financial Services Cmpensatin Scheme Rural Insurance Grup Limited UK General Insurance (Ireland) Limited Ageas Insurance Limited are cvered by the Financial Services Cmpensatin Scheme (FSCS). Yu may be entitled t cmpensatin frm the scheme, if they cannt meet their bligatins. This depends n the type f business and the circumstances f the claim. Mst insurance cntracts are cvered fr 90% f the claim with n upper limit. Yu can get mre infrmatin abut cmpensatin scheme arrangements frm the FSCS r visit Equine Plicy Summary V6 July 2014 Page 6 f 6

7 Authrised and regulated by the Financial Cnduct Authrity Rural Insurance agricultural and rural insurance specialists The Lenz Hrnbeam Park Harrgate HG2 8RE