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About Us

KBIS British Equestrian Insurance has been providing horse insurance for over 25 years. Now recognised as one of the leading independence horse insurance specialists, KBIS offer a diverse range of policies across the whole equestrian sector; from horsebox and trailer cover, bespoke equestrian property insurance, stand-alone personal accident policies to a diverse range of liability insurance for equestrian businesses and individuals. So whether a one horse owner, freelance instructor, yard proprietor, professional trainer or event organiser, we can take care of all of your insurance requirements.

KBIS’s growth and customer loyalty has been built upon a company ethos of providing an efficient and friendly service when arranging your insurance and dealing with a claim. We ensure our policies provide comprehensive cover and transparency, so you are clear on the cover you have and importantly, as horse owners ourselves, you can rest assured you’ll be talking to someone who understands horses as well as insurance.


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The Vets View We are excited to launch The Vet's View, a small but constantly growing archive of articles written by our in-house vet, Dr Annie Bevins MA Vet MB MRCVS.

The articles contain helpful information on common problems, such as, bad backs, saddle fitting, worming, farriery, gastric ulcers and so on. Below is a small taster of Annie's article about Respiratory Diseases.

Horses have evolved to be free roaming grazing animals. Given the option to live this way they will spend about three quarters of their time with their heads down and will be continually on the move, albeit slowly, as they search for the tastiest grass. Because of this evolutionary fact, the respiratory system of the horse is relatively inefficient at clearing pathogens and irritants away. As particles simply “drain” out under gravity with the head down, nature has not concentrated so much on the mucus clearing mechanism of fine hairs lining the airway that are enjoyed by other species.

Most horse owners in the modern world do not have the facilities or the time to allow their horse access to the plains and hence we keep them stabled for at least part of the time, usually more in winter due to ground conditions. Unless the horses are really lucky they have relatively restricted grazing areas compared with their wild cousins. With the ever increasing value of competition horses it has become usual to have individual turn out paddocks to avoid conflict, but this also has the effect of reducing the amount of space available for an individual horse to move around whilst grazing.

Read the full article on our website.

“Try to mimic the natural conditions with simple management changes such a feeding off the floor.”

Not only creativity

Out & About

Ideas that lead to new actions


KBIS are small enough to provide a friendly, personal and efficient service, yet big enough to be competitive.

“KBIS are small enough to provide a friendly, personal, efficient service, yet big enough to be competitive and recognised in the market.”S Boniface




If you have a question or concern regarding insurance then email us at
and your question could feature in our next E-News

In most cases when you make a claim for an injury or illness that condition will then be excluded in the next policy period, as it will often mean that the horse will be pre disposed to the illness or injury.

Although you will have an exclusion for the condition placed on a new policy i.e. at renewal, it is important to remember that your cover for the condition, usually 12 months, starts from the onset date of the injury or illness so you could still have cover in place for the condition under your old policy.

For example, if your horse sustains an injury to its stifle on the 1st May 2014 you will have 12 months of cover in which you are able to claim for any ongoing treatment up until the 30th April 2015. If your policy falls for renewal on the 1st August 2014 your new insurance policy for that horse will list a specific exclusion relating to the stifle injury but you will still be covered for the injury under your old policy.

The reason the exclusion has to be placed on your policy at renewal and not at the end of the cover period is to avoid dual liability, a term which means that the insurers are liable for the same loss under two or more policies.

Specific exclusions can be reviewed and depending on the type of injury or illness may be removed after a certain period of time.

Will I have an exclusion placed on my policy if I make a vets fee claim?

In an effort to help maintain our horse’s health, the use of joint or respiratory supplements, complimentary therapies and other forms of preventative treatments may, quite rightly, be used. What is not often understood however is when treatments such as this, preventative or otherwise, should be notified to your insurer.

Whilst insurers’ views will vary, it is important to remember that insurance is designed to provide cover when losses first arise rather than when the policyholder decides to claim. So, in order to get the full benefit from your policy, you should begin a ‘conversation’ with your insurer as soon as your horse starts to exhibit symptoms of a possible problem rather than when it may become more serious.

Deciding to put your horse on a non-prescriptive joint supplement because they are at an age when you think they could benefit from such dietary supplementation is unlikely to affect your insurance policy in any way. And, as long as the horse has shown no signs of stiffness, lameness, poor performance and/or been examined by a vet, then you shouldn’t need to notify your insurer.

If however you raised concerns with your vet about your horse’s general wellbeing/performance and they recommend you try him on a supplement or other forms of complimentary treatment as an initial starting point, you should notify your insurer. Similarly if your horse has shown signs of stiffness, poor performance, lameness, has been examined (or treated) by your vet, you should notify your insurer. Whichever the case, speaking to your insurer at an early stage means they can give you the most appropriate advice about your policy or claim.

Policyholders are often concerned about providing such information to their insurer for fear of having an exclusion placed on their policy, but failure to do so could be considered as ‘misrepresentation’ and may mean a claim is not covered. Whether or not you consider such treatments as preventative, your insurer will need to make their own decision. As a policyholder, you have an obligation to keep you insurer informed of anything which may affect the original policy you took out. Unless you specifically know the Insurers’ underwriting criteria it is best to speak to your insurer. They are obliged to treat you fairly and can tell you whether your proposed actions are likely to affect your policy cover.Horse Insurance

Do I need to notify my insurer if I put my horse on a joint or respiratory supplement?

“I have always had outstanding service - calm, helpful, friendly staff making stressful situations so much easier! My claims have always been settled very quickly and without fuss.”Debby Lunt


Policyholder Benefits


Did you know as a KBIS policyholder you can benefit from some exclusive discounts when shopping for equestrian products from our retail partners. We have teamed up with three equine retailers covering everything from body protectors, rugs to health care products.

“From sending in a claim to payment it took less than three weeks, friendly and knowledgeable staff, good communication, a pleasure to do business with, thank you.”Zoe Cheek

Contact Us

0345 230 2323
KBIS Ltd, Cullimore House, Peasemore, Newbury, Berkshire, RG20 7JN
Monday to Friday 9.00am - 5.30pm and Saturday 10.00am - 12.30pm