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KBIS

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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SPOTLIGHT

Insurance Insights
At KBIS we try to be as transparent as possible about the coverage we offer in order to help provide customers with a clear understanding about our insurance policies
However insurance can get confusing so we decided to launch our Insurance Insights on our website to help explain how insurance works, common misconceptions and provide helpful advice to ensure you are getting the most from your policy. Below is a small taster from our latest article about Personal Accident Insurance

There are many different policies available covering personal accident so it is important to consider your situation - are you employed or self-employed and do you ride for a living? The answer to this will affect what type of policy you are looking for.

The most cost-effective way of buying personal accident cover would be to add it your horse policy. This will provide cover for yourself when riding and handling the horse named on the certificate of insurance and also for anyone else to whom you have given permission. Due to the low cost of the cover (prices starting from £13 plus IPT) coverage is limited to death, permanent total disability and some dental work.

If you are riding multiple horses or would like more comprehensive cover then it is worth considering a stand-alone personal accident policy. These offer a wider choice in cover benefits such as temporary total disability which pays a weekly amount if you are unable to work due to an injury.

Read the full article on our website.

“Consider what your financial position would be should you be off work due to an injury.”

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

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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

THE MOST IMPORTANT THING

Policyholder Benefits

WE LIKE MAKING PEOPLE SMILE

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
ask@kbis.co.uk
KBIS Ltd, Cullimore House, Peasemore, Newbury, Berkshire, RG20 7JN
Monday to Friday 9.00am - 5.30pm and Saturday 10.00am - 12.30pm