Harry Hall Vet Fee Insurance Terms and Conditions

Please note the following applies to policies taken out after 25 May 2022. We recommend consulting documentation provided at the time of your policy for the most accurate benefits and conditions.

  

Vet Fees Insurance - 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 four 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

Vet Fees Insurance - 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 four 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.

Read Vet Fees Insurance Product Information Sheet

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 four 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 Details

  • 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, any premium which has already been paid will be returned in full. After this 14 days you can cancel the policy at any time and a prorata refund will be issued minus a £15 admin charge or the balance of the policy is due, whichever is the lesser amount.
  • 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.

Vet Fees Policy Documents from 25 May 2022

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

Read Vet Fees Insurance Product Information Sheet

Vet Fees Policy Documents for active policies purchased prior to 25 May 2022

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

 

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Important Information

  • Equario Insurance (Guernsey) Limited, is registered in Guernsey under Registration Number 69867 and is regulated by the Guernsey Financial Services Commission. Equario Insurance (Guernsey) Limited’s registered office is Level 5, Mill Court, La Charroterie, St Peter Port, Guernsey GY1 1EJ.

    Harry Hall International Limited is authorised and regulated by the Financial Conduct Authority (FCA) our firm reference number is 968047. You may check this on the Financial Services Register by visiting the FCA website click here

  • Pony Club products and Personalisation are excluded from the FREE UK delivery offered to Gold Members. Free delivery is offered to UK mainland customers only.

  • 12 month's free SafeRide unlocked by completing your horse profile after downloading the Harry Hall Riding App and associating your One Club login. One time only offer and non-transferable. Subject to availability and Harry Hall reserves the right to remove the offer at any time.

  • Harry Hall donates £0.05p from new, single orders to our charity partners. Please note the following exclusions apply: renewals, Pony Club and Gift Cards,

  • Sign up vouchers are delivered to marketing consented customers by email and have a limited expiration and specifc terms of use. Please refer to the email for further details and note that vouchers are single use for new and renewing customers only.

  • In an effort to reduce paper and plastic usage, One Club membership has moved online! To view your policy documents please log in to the Harry Hall Riding App or visit the My Account section of the website. You will also be emailed your policy documents and important phone numbers.

One Club Gold, Public Liability & Personal Accident Policy Documents ➔

Vet Fee Insurance Terms & Policy Wording ➔

Horse Trailer Insurance Terms & Policy Wording ➔

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Claims Procedure ➔

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