The Horse policy provides Mortality cover for animals named on the schedule. In addition the basic contract automatically provides Theft cover.

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SECTION ONE
Death by Accident or Disease which can be extended to include Loss of Use and Economic Slaughter (Option B). This Section automatically provides cover for Theft (including Mysterious Disappearance).

SECTION TWO
Payment of Veterinary Fees for treatment of an insured horse where in absence of such treatment a claim may arise. The cover limit is £2,000 or the sum insured under Section One on the animal concerned, whichever is the less. Subject to an excess of £200 each and every claim.

SECTION THREE
All Risks cover on Saddlery & Tack which can be insured on either an Indemnity or Reinstatement basis. Subject to an excess of £75 each and every claim.

SECTION FOUR
All Risks cover on Horse Drawn Vehicles and/or Horse Trailers where the value does not exceed £25,000 per vehicle. Subject to an excess of £75 each and every claim.

PERSONAL ACCIDENT EXTENSION
The policy can be extended to provide benefits of £15,000 in respect of Death, Loss of Limbs or Eyes or Total Disablement and £1,000 in respect of Dental Treatment for any person in charge of the animal insured.

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Use Clause 1
Private Hacking, Breeding, Showing, Dressage, Gymkhana, Driving, Pony Club Events and Show Jumping EXCLUDING Hunting, Hunter Trials, Hunter Chasing, Eventing and Point to Point Racing.

Use Clause 2
As Use Clause 1 but including Hunting, One Day Events and Hunter Trials but EXCLUDING Hunter Chasing, Two and Three Day Events and Point to Point Racing.

Use Clause 3
As Use Clause 2 but including Two and Three Day Events but EXCLUDING Hunter Chasing and Point to Point Racing.

Use Clause 4
As Use Clause 3 but including Point to Point Racing and Hunter Chasing.

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