Membership terms and conditions

Public Liability and Personal Accident Insurance for Junior ChampionPlus, ChampionPlus and Family Members of World Horse Welfare ChampionPlus with Veterinary, including Public Liability, Personal Accident Insurance and Equine Accidental External Injury Vet Fees cover.

For policies taken out or renewed after (and including) 1^st June 2024 – Click here to download a PDF of the Terms and conditions

For policies taken out or renewed before (and including) 31^st May 2024 – Click here to download a PDF of the Terms and conditions

Disclosure Statement

All members must comply with the following:

• No complaint or claim has been made against you or any members of your immediate family involving horses or ponies
• You or any members of your immediate family have never had any proposal or renewal for equine/equestrian insurance refused
• You, or any other people residing with you, have never been convicted of any criminal  offence other than motoring convictions or have any non-motoring convictions pending. We do however need to know of any conviction that are unspent under the Rehabilitation of Offenders Act 1974
• For policies taken out or renewed after (and including) 1^st June 2024 You are a permanent resident of the UK or Isle of Man
• For policies taken out or renewed before (and including) 31^st May 2024 You are a permanent resident of the UK, Isle of Man, or the Channel Islands (Equine Accidental External Injury Vet Fees cover is not available for residents of the Channel Islands)

Terms and conditions

Public Liability and Personal Accident insurance is included with Junior, ChampionPlus, ChampionPlus with Veterinary and Family Membership of World Horse Welfare.

Veterinary Insurance cover is also included with the ChampionPlus with Veterinary Membership of World Horse Welfare.

World Horse Welfare is an appointed representative of SEIB Insurance Brokers Limited which is authorised and regulated by the Financial Conduct Authority.

If you have any queries please contact:
SEIB Insurance Brokers Limited
South Essex House, North Road, South Ockendon, RM15 5BE

or telephone 01708 850000

This document is a summary of the terms of the policy and does not contain the full terms and conditions of the insurance that can be found in the applicable policy wording and policy schedule.

A copy of the Master Policy Document can be obtained from:
World Horse Welfare, Anne Colvin House, Snetterton, NR16 2LR

Name of the insurers

Public Liability Insurance – Markel International Insurance Company Limited

Personal Accident Insurance – Zurich Insurance plc

Veterinary Fees Insurance – Convex Insurance UK Limited

Definition of Family Member

Up to two adults (spouse/civil/cohabiting partner) and any dependent, unmarried children up to the age of 18 years of age (or under 25 years of age if in full time education) at the inception of the insurance, all living at the same address in the UK.

Definition of Family Member under Veterinary

Family means members of Your family (including adopted children, step-children and foster children), spouses, fiancé(e)s, co-habitees or partners. Family does not include lodgers, tenants or domestic staff.

Public Liability

Cover, Features, Benefits and exceptions of the Public Liability Insurance

Type of insurance and cover

Public liability cover for accidental third party Bodily Injury and third party Property Damage for any person who holds a current/paid up Champion Plus with Veterinary, Junior ChampionPlus, ChampionPlus or Family Membership of World Horse Welfare. The policy can extend to cover any person riding the horse in the presence of the member with their permission. The groom’s extension provides cover for an individual undertaking equine grooming services for the Member’s horse, provided it is not the occupation of the individual and they are not a professional groom.

Insurer: Markel International Insurance Company Limited

Features and benefits

1. Accidental bodily injury to any third party other than any other member of the Member’s family or household
2. Accidental loss of or damage to property other than property belonging to or in the care, custody or control of the Member or member of the Member’s family or household or a person in their service
3. Cover is provided on a worldwide basis for a maximum of 30 days per policy period (excluding the USA and Canada) arising out of the Member’s use and/or ownership and/or control of a Horse(s) and direct participation by the Member in equine activities other than the excluded equine activities as stated in the policy schedule
4. Limit of Indemnity £10,000,000 in respect of any one claim. Cover is provided for Members permanently domiciled in the UK, Isle of Man, or the Channel islands

Unusual exclusions or limitations

• A. Bodily injury or loss of or damage to third party Property arising out of or incidental to any profession, occupation or business of the Insured
• B. Punitive or exemplary damages
• C. Bodily injury to members of your own family or household or any employee whilst working for you
• D. Use of a Horse for hire and reward
• E. The first £500 of any claim arising from third party property damage
• F. Equine excluded activities as stated on the schedule as; polo, stunt riding, scurry driving including timed carriage driving, vaulting, endurance competitions, horseback archery, horse boarding, tent pegging, team chasing, horse swimming, tilting, racing, point to point racing, steeplechasing, breeding for the express purpose of monetary gain or use of a horse drawn vehicle.

Conditions applicable

Please note that this policy is a policy of last resort and will only respond in the event that there is no other insurance in place to cover the loss. In the event alternative cover is in place the policy will operate as an excess protection up to the £10 million limit.

Personal accident

Cover, Features, Benefits and exceptions of the Personal Accident Insurance

Type of insurance and cover

Provides cover for Accidental Death, Loss of Sight or Limb and Permanent Total Disablement, and also extends to include cover for Loss of Hearing and Permanent Partial Disablement.

Insurer: Zurich Insurance plc

Features and benefits

• Bodily injury to the member whilst within the United Kingdom and engaging in any horse related activity
• Cover is provided for members permanently domiciled in the United Kingdom
• Horse related activity is defined as the care and handling and recreational riding of horses including mounting, driving and dismounting of horse drawn vehicles

Scale of benefits

• Accidental death: £10,000
• Loss of Limb (one or more): £10,000
• Loss of Sight (in one or both eyes): £10,000
• Total loss of hearing in one ear: £2,500
• Permanent total disablement from any and every occupation: £10,000
• Permanent partial disablement: £10,000 (Please refer to the policy wording for a full definition of benefits)

Unusual exclusions or limitations

• Cover in respect of Accidental Death is limited to £5,000 in respect of persons under the age of 16
• Suicide or deliberate self-harm
• Engaging in Active service in any of the armed forces
• Cover is provided up to the age of 76 years
• War or terrorism
• Driving a motor vehicle with more than the legally permitted level of alcohol in the body
• Engaging in flying/motorcycling/a motor competition/racing
• Being under the influence of drugs unless prescribed
• Any sickness or disease or any gradually operating cause or post traumatic stress disorder
• Any illness, disease, physical or mental defect known to the insured which is a contributing factor

Veterinary Cover

Cover, Features, Benefits and exceptions of the Veterinary Insurance

Type of insurance and cover

Accidental external injury vet fees cover for any leisure horse or pony aged over 30 days old that you own or have on full loan up to a maximum of £1,500 per claim and during the annual period of membership.

Insurer: Convex Insurance UK Limited

Unusual exclusions or limitations

• An excess of £165 applies for each and every claim, loss, or the excess under any other insurance available to you
• There is no cover for illness
• There is no cover for strains to tendons or ligaments
• All pre-existing conditions are excluded
• There is no cover for any loss directly or indirectly arising out of coronavirus disease or any mutation thereof
• Your horse must only be used or trained for those activities listed under General Conditions 4.1 Use of the Master Policy Document

General Conditions

Period of insurance

Twelve consecutive months only from the time of attachment of your membership with World Horse Welfare.

Your right to cancel

This is a group policy provided by the World Horse Welfare as part of your membership benefits. As such, there is no facility to cancel the policy should you decide that you do not require the cover.

Claims procedure

If you are involved in an accident that could lead to a claim on your World Horse Welfare insurance please contact the following:

• For any Liability claims/incidents please call 01708 850000
• For any Personal Accident claims/incidents please call 0330 1024093
• For any vet fees claims/incidents please call 01708 850000

Do not under any circumstances admit responsibility, either verbally or in writing.

Do not offer or promise payment for any damage to the claimant’s vehicle or property or as compensation for injury – if you do, you may invalidate your insurance cover.

Complaints procedure (Public Liability & Personal Accident)

It is always the intention of World Horse Welfare and SEIB Insurance Brokers Ltd to provide a first class standard of service. However it is appreciated that occasionally things go wrong.

If you need to complain please contact SEIB Insurance Brokers Ltd:

SEIB Insurance Brokers Ltd
South Essex House
North Road
South Ockendon
RM15 5BE

Telephone Number: 01708 850000
Email: enquiries@seib.co.uk

In circumstances where your complaint needs to be referred to the insurers, we shall advise you where this is the case and provide the insurers contact details.

If you are still not satisfied you may be able to refer your complainant to the Financial Ombudsman Service (FOS) at:

The Financial Ombudsman Service
Exchange Tower
London
E14 9SR

Telephone Number: 0800 023 4567 (for landline users)

0300 123 9123 (for mobile users)

Email: complaint.info@financial-ombudsman.org.uk

Website: www.financial-ombudsman.org.uk

The FOS may review your complaint subject to certain eligibility criteria. Further details of the FOS can be obtained from www.financial-ombudsman.org.uk

Whilst we are bound by the decision of the FOS you are not. Following the Complaints procedure does not affect your right to take legal action.

Compensation

The providers of this insurance as defined in this Policy are covered by the Financial Services Compensation Scheme (FSCS). If they cannot meet their obligations You may be entitled to compensation under this scheme depending on the type of insurance and the circumstances of the claim. You are covered for 90 per cent of the claim without any upper limit. However, for compulsory classes of insurance You are covered for 100 per cent of the claim without any upper limit. Further information about compensation scheme arrangements is available from the FSCS.

You can visit the website at www.fscs.org.uk or write to:

Financial Services Compensation Scheme
10th Floor Beaufort House
15 St Botolph Street
London EC3A 7QU

Complaints procedure (Veterinary Fees)

Convex Insurance UK Limited’s aim is always to provide you with the best possible service. If you feel they have not provided that service or made an error, then please advise them in the first instance. Convex Insurance UK Limited will take your complaint seriously and do their best to investigate and resolve it as quickly as possible. The following Complaints handling procedure has been established to ensure that this happens.

Step 1

Tell us about it. There are different ways you can do that.

1. Communicate with SEIB. Let them know that you are dissatisfied with the service you have received and tell them why.
   
   You can contact SEIB by email, telephone, or letter:
   
   enquiries@seib.co.uk
   
   Tel: +44(0)1708 850000
   
   SEIB Insurance Brokers Ltd
   South Essex House, North Road
   South Ockendon, Essex
   RM15 5BE

2. Contact the complaints team:

complaints@convexin.com

Tel: +44(0)7919 603210

Convex Insurance UK Limited
52-54 Lime Street
London
EC3M 7AG

Convex Insurance UK Limited will acknowledge your complaint promptly and they will let you know who will be handling your complaint and provide you with their contact details.

Step 2

Convex Insurance UK Limited aim to resolve your complaint as soon as possible. If it is complicated or they need to investigate the circumstances further then they may not be able to resolve it straight away and it may take longer depending on its complexity. Convex Insurance UK Limited aim to get you a final response within eight (8) weeks of receiving your complaint. If they cannot do so then they will tell you why it is taking more time and let you know what they are doing and how long they expect it will take to resolve.

Step 3

If you are not happy with Convex Insurance UK Limited’s response or actions and feel that the matter has not been resolved to your satisfaction, then there are two options to take it further.

You may be eligible to refer your complaint to the Financial Ombudsman Service, the “FOS”. Please note that there are time limits within which you must contact the FOS. Convex Insurance UK Limited needs to give you their final response within eight (8) weeks of your complaint, at the most, depending on what you are complaining about. You need to get in touch with the FOS within six (6) months of receiving Convex Insurance UK Limited’s final response to your complaint.

The Financial Ombudsman Service
Exchange Tower
London
E14 9SR

Email: complaint.info@financial-ombudsman.org.uk

Website: www.financial-ombudsman.org.uk

Alternatively, you may contact Lorraine Mullins, the Chief Compliance Officer of Convex Insurance UK Limited.

Email: lorraine@convexin.com or write to the following address:

Convex Insurance UK Limited
52-54 Lime Street
London
EC3M 7AG

Convex Insurance UK Limited’s commitment

All complaints are reported to and overseen by the Chief Compliance Officer. If Convex Insurance UK Limited get a complaint or have done something wrong or failed to do something well, they will do their best to put it right and to learn from it by root cause analysis (this is where Convex Insurance UK Limited will sample a selection of complaints and what caused them then to address the causes of the complaints as explained further). Convex Insurance UK Limited will make sure that they investigate and establish what went wrong and why. Convex Insurance UK Limited will then work out what they need to do to prevent that happening in the future and also consider whether any other customers could have been affected. Irrespective of whether they have had complaints, Convex Insurance UK Limited will report regularly on complaints and root cause analysis and remediation in their management information to the executive management committees and to the Board of Convex Insurance UK Limited.

Insurance Guarantee Scheme

Convex Insurance UK Limited is covered by the Financial Services Compensation Scheme (“FSCS”). You may be entitled to compensation from the Scheme if Convex Insurance UK Limited is unable to meet its obligations under this Policy of insurance. If the Insured were entitled to compensation under the Scheme, the level and extent of the compensation would depend on the nature of this contract of insurance. Further Information about the Scheme is available from the Financial Services Compensation Scheme (PO Box 300, Mitcheldean, GL17 1DY) and on their website: www.fscs.org.uk.