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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 independent horse insurance specialists, KBIS offer a diverse range of policies across the whole equestrian sector; from horsebox and trailer cover and breakdown, 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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Coronavirus Update

Due to the Coronavirus outbreak, most of our team are working from home but we continue to function as normal and remain committed to providing the highest level of service to our clients.
We continue to receive and pay claims, handle renewals and process new enquiries. Our telephone lines are open, please feel free to call us on 0345 230 2323 or email ask@kbis.co.uk and a member of our team will get back to you.

For details on how to make a claim click here.

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

Working Together

KBIS Catastrophe Cover
Standalone Veterinary Fee insurance from just £300 per year

Our Catastrophe Cover is an affordable vet fee option that can either be purchased as a standalone policy from just £300 or in conjunction with other cover benefits such as Mortality Insurance, Public Liability Insurance, Personal Accident Insurance, Trailer Insurance and/or Tack Insurance for an additional premium.

This unique option includes vets fees up to a maximum of £7,500 in total during the policy period with a 15 month claim period. The cover is for accidental, external injuries only (i.e. involving an open wound), plus the inclusion of three life saving veterinary procedures; Colic surgery, joint or tendon sheath flushing as a result of sepsis, and surgery for pastern or pedal bone fractures.

It offers an alternative solution for those looking to have some form of insurance in place against major, lifesaving veterinary treatment for a much more affordable premium.


Find out more about our Catastrophe Cover here.

“Catastrophe Cover is good news for people who previously could not afford to insure but were worried about serious accidents and severe colic requiring surgery. It provides peace of mind for those scenarios when treatment is expensive but necessary and would otherwise result in significant financial cost or even the horse being put down.”

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

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FAST & CURIOUS

If you have a question or concern regarding insurance then email us at ask@kbis.co.uk
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, 15 months (on KBIS Leisure and Competition policies), 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 2018 you will have 15 months of cover in which you are able to claim for any ongoing treatment up until the 31st July 2019 or unless you reach your incident limit sooner. If your policy falls for renewal on the 1st August 2018 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 extension 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 four 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 - Friday 9am – 5.00pm | Saturday 9am – 12.30pm