How do I go about insuring my horse?
As we require full details of you and your horse before we can send you a proposal, you may call our office: (09) 298 0055 or send an email. On receipt of the completed proposal an insurance certificate and invoice are issued and posted to you.
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Who are your underwriters?
Your insurance policy is placed with 'A' rated Underwriter in the London Bloodstock Market with whom we have a longstanding valuable relationship.
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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 values over $100,000. 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 require a vet certificate. Stallions and horses outside New Zealand and Australia may also require vet certificates.
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Do you insure thoroughbreds only?
No, we can insure all types of horses - standardbreds, miniatures, competition horses, ponies, etc. We will require an ID for recreational horses at the time of placing the insurance.
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What age can I insure my foal from?
Foals can be insured from 24 hours of age subject to a vet certificate satisfactory to our underwriters and a blood sample.
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Do you offer Loss of Use cover?
We do not offer Loss of Use policies except for horses racing in Hong Kong. Please contact us for further details.
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Is there GST on the premium?
There is no GST on our policies as we place the insurance with offshore Underwriters.
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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 of the horse, race records, age, etc.
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What age can I insure my horse up to?
Horses up to the age of 17 can be insured.
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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.
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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.
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What if my horse gets injured or ill on the weekend?
We are contactable by mobile 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.
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What happens if I have a claim?
The first thing to do is to give us a call. After hours we can be contacted by mobile 0274 598 098. A vet report and post mortem are required.
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What happens if my horse needs an operation?
Any life-saving operation is automatically covered by our policies. If possible, please call us first, but this is not essential as the priority is to save the horse. If you are planning an elective surgery you must contact us in advance. An additional premium may be required to cover the operation.
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What exactly does mortality insurance cover?
The correct term for this type of cover is All Risks Mortality (ARM) Insurance. In simple terms, this covers the death of your horse (or the need for humane destruction) as a result of an accident, sickness or disease. If you would like to see a copy of the detailed policy wording, please let us know and a copy can be supplied to you.
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