How do I go about insuring my horse?
We will need your details as well has the details of the horse(s) you want to insure. You can do this online (click here) or you can call our office: (09) 298 0055.We can usually confirm the cover there and then over the phone subject to you completing the necessary paperwork. On receipt of the completed proposal an insurance certificate and invoice are issued and posted to you. Applications are subject to approval and conditions may apply.
Who are your underwriters?
Your insurance policy is placed with 'A' rated Underwriters in the London Bloodstock Market with whom we have a longstanding valuable relationship.
Is a veterinary certificate required?
A vet certificate is required at the inception of each policy for any horse aged 14 and over and for any horse valued over $100,000. Foals also usually require a vet certificate. Otherwise a declaration of health is usually all we need but we must be advised if the horse has any history of illness or injury. If your horse has had an illness or injury we may need a vet certificate. Stallions and horses outside New Zealand and Australia may also require vet certificates.
Do you insure thoroughbreds only?
No, we can insure all types of horses - thoroughbreds, standardbreds, miniatures, competition horses, ponies etc. We require ID for recreational horses at the time of placing the insurance.
What age can I insure my foal from?
Foals can be insured from 24 hours of age subject to a vet certificate and blood sample.
Do you offer Loss of Use cover?
We do not offer Loss of Use policies except for racehorses in Hong Kong.
Is there GST on the premium?
There is no GST on our policies as we place the insurance with offshore Underwriters.
How do you value my horse?
At the time of placing the policy we consider many variables in order to establish a value eg, purchase price, breeding, race record, age, etc.
What age can I insure my horse up to?
Horses up to and including 17 years can be insured.
Can I insure my horse overseas? What about Australia?
Our standard policy covers New Zealand and Australia and includes any transit within and between the two countries. We offer transit insurance and can insure your horse in almost every country in the world.
What if my renewal falls due on a weekend?
Renewal forms are sent to each policy holder prior to expiry of each policy. It is up to the individual policy holder to return the completed renewal form by the expiry date.
What if my horse gets injured or ill on the weekend?
We are contactable by mobile on 0274 598 098 or 0274 274 003 if your horse happens to fall ill or gets injured on the weekend. If necessary the attending vet can call us to discuss.
What happens if I have a claim?
The first thing to do is to give us a call. Visit the claims page for more information.
What happens if my horse needs an operation?
Any life saving operation is automatically covered. If possible, please call us first, but don't have to tell us first, your main priority is to give your horse the treatment it needs to save its life. If you are planning any elective surgery, you need to contact us first. An additional premium may need to be paid to cover the operation.
What exactly does mortality insurance cover?
The correct term for this insurance is All Risks Mortality (ARM) Insurance. A simplified description is the death of your horse (or the need for humane destruction) as a result of an accident, sickness or disease. Read the full mortality insurance terms and conditions here.
If you have another query, please contact us.
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