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Harry Hall Vet Fee Insurance Terms and Conditions

 
KEY BENEFITS
 
  
VETS FEES - UP TO £1,500 CLAIM LIMIT
  • Cover is provided for accidental external injury only; injury caused by accidental, violent and visible means where your horse has a visible external wound excluding strains of tendons and ligaments. 
  • A limit of £1,500 per claim and in the aggregate.
  • Cover is provided for a maximum of two horses, or three horses if you have a family membership, which you own or have on full loan.
  • An excess of £165 applies to each and every claim.
  • The policy excludes horses less than 30 days old.
  • Use of the horse for following activities are permitted under the policy; Retired, Companion animals kept at grass, Stores; Broodmares, Hacking, Long distance, Horse agility Gymkhanas; Unaffiliated dressage, Jump cross, Showing in-hand and under saddle, Stallions kept for stud duties, Activities organised by a recognised pony club or riding club, Unaffiliated showjumping, Private driving, Trec, Vaulting, Western Riding, Scurry Driving and Hunting
VETS FEES - UP TO £3,000 CLAIM LIMIT
  • Cover is provided for accidental external injury only; injury caused by accidental, violent and visible means where your horse has a visible external wound excluding strains of tendons and ligaments. 
  • A limit of £3,000 per claim and in the aggregate.
  • Cover is provided for a maximum of two horses, or three horses if you have a family membership, which you own or have on full loan.
  • An excess of £165 applies to each and every claim.
  • The policy excludes horses less than 30 days old.
  • Use of the horse for following activities are permitted under the policy; Retired, Companion animals kept at grass, Stores; Broodmares, Hacking, Long distance, Horse agility Gymkhanas; Unaffiliated dressage, Jump cross, Showing in-hand and under saddle, Stallions kept for stud duties, Activities organised by a recognised pony club or riding club, Unaffiliated showjumping, Private driving, Trec, Vaulting, Western Riding, Scurry Driving and Hunting
  • Annual policy inclusive of Insurance Premium Tax at 12.00% and a £22.20 administration fee.

COLIC COVER

  • Cover is for colic surgery, and does not cover any bouts of colic that did not result in the horse undergoing surgery under general anaesthetic.
  • A limit of £5,000 per claim and in the aggregate.
  • Costs of after care is included up to a maximum of 50% of the cost of the surgical procedure or for no more than 15 days whichever is the lesser value.
  • Cover is provided for a maximum of two horses which you own or have on full loan, or three horses if you have a family membership, as named of the certificate of insurance.
  • An excess of £500 applies to each and every claim.
  • The policy excludes horses aged 15 years or older, at inception or renewal of the policy.
  • Cover is not available for any horses which has suffered from or shown signs of colic in the past.
  • Livery costs (whilst at the equine hospital/boarding costs) are excluded.

DISPOSAL FEES

  • Following death of the horse as a result of an accidental external injury, the policy will pay the costs of disposal fees and euthanasia charges up to a maximum of £300.

TACK COVER

  • Cover is provided for the market value of saddlery and tack that has been lost, stolen or destroyed owned by you up to the value of £1,000.
  • An excess of £200 applies to each and every claim. 
  • Saddlery and Tack must be stored in a locked building, and cover for theft shall only apply if visible and violent force was used to enter the locked building.  

You have 14 days from receiving the policy to write confirming that you do not wish to continue. No charge will be made and any premium which has already been paid will be returned in full minus £15 administration fee, providing you have not made any claims under the policy. There is no right to cancel following the cooling off period, however you are required to notify us if you no longer own or have the horse on full loan.

Amendments to policies and copies of insurance certificates are chargeable with a small admin fee of £10 per policy/certificate. This includes adding or changing named horses.

Policy Wording ( click here to download policy wording which contains terms and conditions )