Everything you need to know Your Rider Plan Effective from Policy Booklet 1st January 2021 An insurance policy for people who ride This booklet contains your: but don’t own, or fully loan, a horse • Demands and Needs – who is this product suitable for? Please read in conjunction with your Certificates • Terms and Conditions of Insurance and Insurance Product Information • Privacy Notice - how we use Document (IPID) to understand your cover. personal information Welcome Dear policyholder, Thank you for insuring with Petplan Equine, we’re delighted you’re part of the family. If you need us we’ll be here to help. We do all we can to make the claims process as quick and easy as possible so you can count on prompt and caring service from our experienced staff when you need it most. The details of the cover your policy provides are included in this booklet as well as useful information to make claiming as straightforward as possible. 2 Contents: Demands and Needs – who is this product suitable for? 4 Terms and Conditions 4 Definitions 4 General conditions that apply to all sections of your policy 5 Personal Accident (Section 1) 6 Riding Equipment (Section 2) 7 Emergency Veterinary Fees (Section 3) 8 Third Party Liability (Section 4) 9 Custodial Liability (Section 5) 10 General exclusions that apply to all sections of your policy 11 Claiming 12 Making a complaint 13 Financial Services Compensation Scheme 13 Privacy Notice - How we use personal information 14 How to contact us 16 Please contact us if you require a copy of this booklet in large print or Braille 3 Petplan Equine does not provide advice or any personal recommendation about the insurance products offered. Demands and Needs – who is this product suitable for? This product meets the demands and needs of a person who rides horses, but doesn’t own or fully loan a horse, and who while riding a horse wants cover for personal accident (if he/she is injured) and legal protection should a third party incident happen. Your Terms and Conditions Written in Plain English The details of your cover are outlined in these Terms and Conditions. These Terms and Conditions are part of your insurance contract. The other parts of your contract are your Certificates of Insurance and your written, internet or telephone application. To understand exactly what your insurance contract covers you must read your Certificates of Insurance and Insurance Product Information Document, together with these Terms and Conditions. We recommend you check your cover and contact us as soon as possible if this is not as expected. Definitions If we explain what a word means, that word has the same meaning wherever it appears in these Terms and Conditions. For ease, you’ll see that these words appear in bold throughout. Certificates of Insurance: The printed documents showing the Policy Details, Person Details and any extra exclusions and requirements that apply to your policy. Clinical sign(s): A change(s) in the horse’s normal healthy physical state, condition, appearance, or bodily function. Excess: The excess is the amount you pay. The excesses that apply to your cover are shown on your Certificate of Insurance. Full loan: Where you are the only person responsible for the horse’s care. For the purpose of this insurance, you are responsible for the horse’s care when you are carrying out the care and when you are paying a person to care for the horse (for example, but not limited to full livery or part livery). Horse: Any horse or pony that you do not own or have on full loan. Immediate family: Your husband, wife, civil partner, parent, parent-in-law, brother, brother-in-law, sister, sister-in-law, child or stepchild. Injury: Physical damage or trauma caused immediately by an accident. Not any physical damage or trauma that happens over a period of time. Maximum benefit: The most we will pay as shown on your Certificate of Insurance. Policy year: The time during which we provide cover as shown on your Certificate of Insurance. This is normally 12 months but can be less if your policy has been cancelled. Riding: Riding, driving, leading, mounting, dismounting and handling a horse and travelling in any horse-drawn vehicle. Riding equipment: Saddles, bridles, rugs, riding tack, hats, boots, jodhpurs, jackets and body protectors. UK: The United Kingdom, the Isle of Man and the Channel Islands. Vet: A Veterinary Surgeon who is registered with the RCVS (Royal College of Veterinary Surgeons). Veterinary treatment: The cost of the following when required to treat an injury: a) Any consultation, examination, advice, test, diagnostic procedure, surgery and nursing carried out by a vet, a veterinary nurse or another member of the veterinary practice under the supervision of a vet, and b) Any medication legally prescribed by a vet. We, us, our: Allianz Insurance plc. You, your: The person named as the Insured Person on your Certificate of Insurance. 4 General conditions that apply to all sections of your policy 1. Conditions of the policy: 8. Young Rider - the renewal after the rider’s 18th You must keep to the ‘General conditions that apply birthday: to all sections of your policy’ and the conditions stated The Young Rider plan is only available to people under under each section to have the full protection of your the age of 18 years. Where a rider is covered under policy. If you do not, and the condition you have not this plan at the renewal following their 18th birthday, the kept to relates to a claim, we can refuse the claim. policy will be changed into the rider’s name and they 2. Taking care: will become the policyholder. At the same time cover Throughout the policy year you must take reasonable will be changed to the Basic plan. care: 9. Claiming: • Of any horse you are riding, Further details about making a claim can be found on • To prevent accidents, injury, loss, theft or damage, and page 14 of this Policy Booklet. • To understand the horse’s usual behaviour to make a) You must let us know as soon as possible if sure you have the experience, and are able, to ride anything happens which could lead to a claim. him/her. b) We will not guarantee on the phone if we will cover If there is a disagreement between you and us as to a claim. You must send us a claim form that has what reasonable care is, an animal welfare organisation been fully completed and we will then write to you or vet who we and you agree is independent can with our decision. be appointed and both parties agree to accept this c) When you claim you agree to provide us with any person’s opinion. We will pay any costs relating to this. information connected with the claim we ask for. If 3. Paying your premium: there is a charge for this, you must pay the charge. a) This policy is only in force if you pay the premium. d) If there is any other insurance under which you are If you pay the yearly premium in Direct Debit entitled to make a claim, if the claim is payable we instalments and you miss an instalment, you will will only pay our share of the claim. You must tell have to pay the outstanding amount within 10 days us the name and address of the other insurance of the date the instalment was due to be paid. company and your policy number with them. If we do not receive your payment within 10 days e) If you have any legal rights against another person of the date the premium was due, your insurance in relation to your claim, we can take legal action will automatically stop and we will make no further against them, in your name, at our expense. You claim payments. must give us all the help you can and provide any b) When we settle your claim, if there is any premium documents we ask for. overdue we will deduct the amount outstanding from 10. Jurisdiction: the claim. a) The laws of England and Wales apply to this 4. Renewing your policy: insurance contract. If you pay your premium by Direct Debit instalment, b) Unless we agree otherwise the language of the policy when your policy is due for renewal we will renew it for and all communications relating to it will be in English. you automatically. We will write to you before the policy 11. Residence: expires with full details of your premium and policy You must live in the UK. conditions for the next policy year. If you do not want to 12. Cancellation rights: renew this policy let us know before your renewal date. a) If, after receiving your Certificates of Insurance and 5. Changes at renewal: full policy Terms and Conditions, you are not happy a) If we offer to renew your policy we can change the you have 14 days during which you can cancel the premium, excesses and policy Terms and Conditions. policy. If you cancel the policy within this time frame b) We have the right not to invite renewal and we will you will receive a full refund of any premium paid. notify you in writing before your renewal date if we b) You can cancel your policy at any time by calling decide to do this. c) If, after we offer to renew your policy, you tell us or writing to us and we will give you a refund about something that happened during an earlier of the money you have paid for the cover after the policy year which could lead to a claim, we can cancellation date.