Personal Accident Insurance
 

Personal Accident insurance provides compensation to the policyholder for specified injuries, disability or death. The policy offered by KBIS has a choice of three different levels of cover and ensures that you are covered while : 

• At work 
• Riding 
• Engaged in non-equestrian pasttimes
• Cover is included for both accident and illness
• Includes weekly benefits if you are temporary unable to work

Yes. There are no geographical restrictions on the policy, you are covered anywhere in the world. The policy does not include cover for repatriation (getting you home after an injury) or any medical expenses, so if abroad you should still consider an appropriate travel insurance policy.

Yes the policy will cover you when riding, whether schooling at home, hacking or competing and also when handling horses. It includes riding you own and other peoples horses however you must ensure you are in the correct activity group for the level at which you are riding. You can amend your activity group during the policy period.

It also covers you for an injury or illness sustained at other times, outside of your riding activities, for example if you were in a car accident. Any specific activities which aren’t covered are noted clearly in the policy terms and conditions.

Riding is a risk sport as is handling horses, so it is important to consider what would happen in the event of a serious accident and how the benefits provided through a comprehensive personal accident policy may help. The most claimed upon benefit on a personal accident policy is temporary total disablement (TTD). TTD pays a weekly amount, based on your income and the level of cover you take out, should your injury or illness prevent you from working. This benefit can be hugely important, providing additional financial security in the event of a long term injury.

The benefit of taking out cover through EEA KBIS Personal Accident policy is that it is designed to cover professional equestrians, with the added advantage of also covering your general day to day activities. A non-equine insurer may not be able to provide adequate cover for your riding/business activities.

As with any insurance policy, the terms of cover and benefits offered under a travel insurance policy vary between providers. So you should refer to you certificate of insurance and the terms and conditions to see what the limitations of the policy are. Benefits offered under travel insurance can include some level of personal accident cover, such as medical expenses, but these are usually designed only to provide cover whilst you are travelling/abroad, not in your day to day working life.

Travel insurance can be a sensible option for when you are abroad as it can offer different benefits to those provided on an annual personal accident policy. It is important however to always disclose any insurance cover you already have in place and also ensure the policy covers you for the purpose of your trip, especially if it will involve riding/competing and is in connection with your business activities.

You should check the terms and conditions of any cover you have in place as part of a membership to a governing body.

Sometimes the coverage provided is restricted to recreational purposes only, so as a professional earning a living from their equestrian activities you wouldn’t be covered.

If you are able to carry on with your business activities, such as teaching, then you won’t be entitled to the temporary total disablement (TTD) benefit under your policy.

If you have been signed off by a medical practitioner as unfit to work and are claiming TTD then you should strictly adhere to this and shouldn’t be working in any capacity.

Statutory Sick Pay (SSP) is paid by a business when an employee is too ill to work and has been off work for four or more days.

Whether or not you are eligible depends on your terms of employment.

Yes to claim on the temporary total disablement section of the policy you will need to be able to evidence your earnings, whether through tax returns/payslips, as the payments are based on your income. Payments will take effect after the excess period; these are the first 14 days of an accident and 21 days of a sickness. They are payable for up to 104 weeks.

The personal accident policy KBIS provides to grooms through the BGA is not a like for like policy. It offers different cover benefits at different levels and does not include cover for illness (unless arising from an accident.) It is also offered under different terms, all of which effect the premium charged.