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How does it work?
Step 1: You tell us:
- The postcode where the horse is kept
- The number of horses you want a quote for
- The age of your horse(s)
- The intended Type of use for your horse(s)
- The purchase price of the horse(s) (If not on loan or homebred)
- The sum insured value of the horse(s)
Step 2: You choose:
- From the 7 optional benefits available
Step 3: We provide you with a quote:
- You can then accept the insurance quote and purchase the insurance
- Or, you can change the benefits until you are satisfied with the level of cover and the premium
Premium Example :
Mandatory Benefits
| Policy Benefits | Description |
|---|---|
| Death or Slaughter | Up to the sum insured or market value whichever is less, if the insured horse dies due to an accident, illness, or disease, or is not found within 28 days of being stolen or straying, plus an additional £300 for disposal costs and £500 for recovery costs. |
| Theft or Straying | We pay the market value or the sum insured, whichever is less, if the horse is not found within 28 days of it straying or being stolen, including up to £500 recovery costs. |
Chosen Optional Benefits
| Policy Benefits | Description |
|---|---|
| Public Liability | Legal liability to a third party for the damages and costs arising from your use of the insured horse up to £1.25 million. |
| Vet's Fees | Maximum per incident up to £3,000 (plus up to £1,000 for vet recommended acupuncture, hydrotherapy, physiotherapy, laser treatment, ultrasound and remedial shoeing). No cover for illness/disease showing clinical signs within 14 days of policy inception. |
| Saddlery & Tack (Tack valued at £500) | Fire, accidental damage or theft following forcible/violent entry to a locked private building, up to £1,750 per incident. Single item limit £1,000. |
The scheme offers 7 optional benefits from which you may choose as many or as few as you wish.
Costs
| Breakdown | Premium |
|---|---|
| Death or Slaughter Up to 100% sum insured or market value if less | £1.20 |
| Theft or Straying Up to 100% sum insured or market value if less | £1.20 |
| Public Liability £1.25 million | £1.04 |
| Vet's Fees £4,000 (includes £1,000 for recommended physiotheraphy, ultrasound, remedial shoeing etc) | £12.00 |
| Saddlery & Tack £1,750 per incident | £0.40 |
| Total Lunar Monthly Premium | £15.84* |
* Based on a horse valued at £1500, Type of Use 1, Vet's Fees Excess of £200 and 3 of the 7 optional benefits selected:
- Public Liability
- Vet's Fees
- Saddlery & Tack (Tack valued at £500)
All premiums are inclusive of (IPT) Government Insurance Premium Tax at 5%
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