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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

Be Prepared! Keeping a copy of your horse’s insurance certificate to hand can help you to make informed decisions in the event of you horse needing veterinary treatment, advises the British Equine Veterinary Association (BEVA).

A serious accident or a severe bout of colic may require expensive emergency surgery and it is important to be able to make swift decisions on how best to proceed and to notify your insurance company accordingly. Ensuring you have a copy of your current insurance certificate safely inside your horse’s passport means you and your vet can quickly check the extent of your veterinary cover, even in the middle of the night.

BEVA and KBIS have put together some tips to help you be prepared for a veterinary emergency:

• Read your policy very carefully and make sure you understand exactly what you are covered for and the steps you must follow to ensure any claim is valid.
• Keep an up-to-date copy of your horse’s insurance certificate with your horse’s passport and keep these readily available in a safe place at your yard.
• Check your insurance policy every time it is renewed and note your excess, vets fee incident limit and exclusions. In some instances you may be able to have certain exclusions removed, your insurance provider will be able to advise you how to get an exclusion reviewed.
• Discuss the proposed veterinary procedure and projected costs with your vet in line with your maximum cover limit and any contribution you are prepared to make if your incident limit is exceeded.
• Discuss with your vet whether referral to an equine hospital might be necessary before any of the more expensive diagnostic tests have been carried out. This may avoid duplication of the tests and so releasing funds for treatment of the condition. Any other conditions diagnosed during the investigation from the ongoing symptoms of the original problem are likely to be considered as a part of the original problem rather than as a separate claim.
• Contact your insurance company as promptly as possible to make them aware of your potential claim. In some cases your vet may do this for you.
• In cases of non-immediate euthanasia the Insurance Company must be informed before euthanasia is carried out in order that they can seek a second opinion if required. Failure to do so may invalidate a claim for mortality.

For further information visit theBEVAwebsite.

“Check your policy every time its renewed and keep your insurer informed of any changes in your horse's health or activities.”

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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

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Policyholder Benefits

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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