Membership Terms & Conditions

Please note: you can download a PDF of this document here.

Public liability and personal accident insurance is included with Junior, ChampionPlus and Family Membership of World Horse Welfare.

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

If you have any queries please contact:

South Essex Insurance Brokers

South Essex House, North Road

South Ockendon, Essex, 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 Master Policy Document. A copy of the Master Policy Document can be obtained from World Horse Welfare, Ann Colvin House, Snetterton, Norfolk, NR16 2LR. 

Name of the insurer Public Liability – Markel International Insurance Company Limited

Personal Accident - RSA

Definition of Family Member

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

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 Property Damage for any person who holds a current/paid up Junior, Champion Plus or Family Membership of World Horse Welfare.  The cover is extended to any person given the member’s permission to use the member’s horse and any groom employed by the member in connection with the member’s horse.

Insurer: Markel International Insurance Company Limited

Features and benefits

1. Accidental bodily injury to any person 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

Happening anywhere in the world (except the USA and Canada) arising out of the Member’s use and/or ownership and/or control of a Horse(s) or Horse Drawn vehicles(s) and direct participation by the Member in other horse related activities of a non business nature.

Limit of Indemnity £10,000,000 in respect of any one claim. Cover is provided for Members normally domiciled in the UK, Isle of Man, the Channel islands, Republic of Ireland or at bases of Her Majesty’s Forces Overseas.

Unusual exclusions or limitations

a) Bodily injury or loss of or damage to Property arising out of or incidental to any profession, occupation or business of the Insured, other than in respect of the Grooms extension

b) Punitive or Exemplary damages

c) Bodily injury to any Employee whilst working for you 

d) Horse Racing, Point to Pointing e) Use of a Horse or Horse drawn vehicle for Hire and Reward 

f) Mechanically propelled vehicles, aircraft and watercraft

g) Deliberate acts or omission

h) The first £250 of any claim arisign from property damage

Conditions applicable

This policy will be in excess of and not contribute to any other available insurance.

PERSONAL ACCIDENT

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

Type of insurance and cover

PROVIDES COVER FOR ACCIDENTAL DEATH, LOSS OF LIMB OR SIGHT AND PERMANENT TOTAL DISABLEMENT ONLY

Insurer: RSA

Features and benefits

Bodily injury to the member arising from a horse related accident.
Scale of Benefits

Accidental death ..................................................................................£15,000

Total and irrecoverable Loss of two limbs ....................................................................................................£15,000

Total and irrecoverable Loss of one limb ......................................................................................................£15,000

Total and irrecoverable Loss of two eyes .....................................................................................................£15,000

Total and irrecoverable Loss of one eye ......................................................................................................£15,000

Total and irrecoverable Loss of one limb and one eye....................................................................................................... £15,000

Permanent total disablement from any gainful employment of any and every kind  .....................................................................................................£15,000

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

•  Being under the influence of drugs unless prescribed

•  Any Illness or Disease which is a contributing factor

•  Flying or Travelling in a motor vehicle

GENERAL CONDITIONS

Period of insurance

Twelve consecutive months only from the time of attachment per individual ChampionPlus member of 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.

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

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, Essex 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

Tel: 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

PO Box 300

Mitcheldean

GL17 1DY