KBIS Starburst (Rich) had a great first run of the 2017 eventing season, finishing third in the OI at Isleham with Izzy Taylor. This was the first time he had been back out competing in over a year, having missed the 2016 season due to injury, so it was great to see him back on top form and we are keeping our fingers crossed the rest of the season goes just as well!
We are working on some new video content for our social media channels and had a fun day filming with 2 Gallop and our in-house veterinary advisor Annie Bevins for our first topic - What to look for when buying a horse!
Keep and eye on our facebook, twitter and instagram channels for the release of this and other videos still to come #watchthisspace
We are delighted to be supporting renown showing rider and producer Jayne Ross. Jayne's showing success goes back to 1966 when she took the Pony of the Year title at Horse of the Year Show, since then her continued success in the show ring has been unquestionable, earning her a place in the British Horse Society's Hall of Fame and being named by Horse & Hound as one of the all-time Equestrian Greats.
We look forward to following Jayne and her team throughout the year.
We are delighted for KBIS team member Carrie Passmore, who has secured her place in the Advanced Medium at the NAF Five Star Winter Dressage Championships.
Carrie, who works in the accounts depatment, qualified for the Championships at Wellington Riding, finishing second on a score of 68.11% onboard her homebred gelding Romeo Te Valentino.
Photo courtesy of Nicola Elliott
The qualifiers for this year's BRC KBIS Novice Winter Championships have once again been a huge success with both showjumping and dressage qualifiers taking place across the country for senior and junior members competing in teams or as individuals.
This is third consecutive year KBIS has supported the series and the Championships always kick starts our sponsorship activities for the year. We are looking forward to attending the Championship over the 1st - 2nd April at Keysoe Equestrian Centre and wish all competitors the very best of luck!
If you have a question or concern regarding insurance then email us at email@example.com
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.
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
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.
One of the UK's largest equestrian retailers supplying high quality products from leading equestrian brands. As a policyholder you can benefit from 15% off their products range.
Specialists in safety wear, you can benefit from a 10 % discount when purchasing riding hats, including Charles Owen, Gatehouse, Champion and KEP helmets. Body protectors by Racesafe, Dainese and Champion as well as Helite Air Jackets and Freejump Stirrups, helping to keep you safe on your horse.