Insurance

Third Party/Public Liability Insurance

 

As a Full Member of British Eventing you automatically benefit from valuable insurance cover organised through Marsh Ltd. For further information please contact the Marsh Insurance Helpline on 01732 877652.


This summary provides an outline of the cover provided. The primary insurance is underwritten by Liberty Mutual Insurance Europe SE and is governed by the policy terms, conditions and exceptions.  Please click on the appropriate Insurance Product Information Document issued by Liberty Mutual on this web page for more details.  A copy of the Members’ policy is available on request from British Eventing.

 

Who is covered?

Full Members of British Eventing who do not earn an income from their equestrian activities. Members who do earn such income are strongly advised to ensure that they have adequate insurance cover of their own.


Owner, Joint Owner, Syndicate and Corporate Members of British Eventing who do not earn an income from their equestrian activities. Members who do earn such income are strongly advised to ensure that they have adequate insurance cover of their own. Cover is for the horses who hold a current season ticket with British Eventing only, registered to those owners.


Day Pass Members of British Eventing who do not earn an income from their equestrian activities. Members who do earn such income are strongly advised to ensure that they have adequate insurance cover of their own.

What is covered?

Personal liability to pay compensation arising from your personal equestrian activities which you become legally liable to pay following an accident involving death or injury to other people or loss or damage to their property. The maximum payment for all claims arising out of one incident is £20m with an excess of £500 each and every claim for third party property damage applicable. (This cover shall not apply to liability more specifically insured under any other insurance).

Please note that the cover is written in two layers as follows:

 

Primary Liability Cover

Excess Liability Cover

Insurer Name

Liberty Mutual Insurance Europe Se

QBE Insurance (Europe) Ltd

Limit of Liability

£10,000,000 any one occurrence

£10,000,000 any one occurrence in excess of primary £10,000,000

 

Total Limit £20,000,000 any one occurrence

 

Insurance Claims

All incidents which could give rise to a claim, however slight, must be reported immediately. For claims relating to incidents taking place from 22 February 2021, please send the details to the claims team at Liberty Mutual:

Phone: 0344 856 2364

Email: newclaims.liberty@davies-group.com

Nominated Handler: Mark Pilkington

 

 

KBIS BE Personal Accident Insurance

In conjunction with British Eventing, KBIS have designed a bespoke personal accident policy only available to BE Members. Insurance when you need it most, from just £13.75 per month.

Designed with both amateur and professional riders in mind, there are three different levels of cover to choose from, plus a specific level for junior riders aged 16 years and under.

Here are the top 5 reasons all members should consider the KBIS BE Personal Accident policy:

1. Temporary Total Disablement - We all know there is a level of risk involved with riding and even handling horses on the ground. They can be unpredictable so how would you cope if a horse-related accident meant you were unable to work for a period of time? KBIS BE PA will pay out a weekly benefit in line with the cover you have chosen. This does not need to be reflective of your earnings; the cover option you select is the amount you will receive back.

2. Replacement of Equipment - If you were out competing in all your best competition gear and had a fall resulting in your air jacket being cut off, could you afford to replace this? Whilst this may not be your top priority initially, later down the line it can be a worry.  KBIS BE PA will pay out for the replacement of these items up to the value of £500, to get you safely back in the saddle as soon as possible.

3. Both On and Off the Horse - Riding multiple horses for both yourself and others? KBIS BE PA provides cover for any accidents sustained whilst riding or handling horses as standard. This could be as a result of riding your own horse or whilst riding for someone else, at home or out and about.

4. It’s International - Not only will KBIS BE PA cover you to ride any horse, it will also cover you anywhere in the world. Whilst the policy would not replace your standard travel insurance, additional travel expenses will be paid out for if you sustain an injury from an accident whilst out of the UK. This will cover costs up to £5,000 to get you home again, following an accident abroad.

5. Catastrophe Pay-outs - Whilst we like to focus on the many positives of riding and eventing, the nature of the sport means there are also more serious accidents that can happen. Life-changing injuries that occur as a result of riding or handling a horse will entitle the policyholder to a lump-sum benefit, where the amount varies depending on the injury sustained.

To get a quote or to take out cover, please visit the KBIS website. Please note you will need to complete a short registration form to create an online login (not your BE login) before obtaining a quotation.

To find out more, please visit the KBIS website. Alternatively, if you have any queries regarding the cover available, then please contact KBIS on 0345 230 2323 and select option 4 to speak to a member of the team.

KBIS BE Personal Accident Insurance Product Information Document

KBIS BE Personal Accident Insurance Ts&Cs