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Insurance
& Legal Services
Equine Legal
Services
Insurance Policy Checklist
Making
a Complaint
The following
companies provide equine insurance services:
AIMS
Tel
No: 0800 834866
Offer comprehensive and choice policies for
equines of all ages including veterans - also cover for trailers carts,
gigs etc.
Bankers
Equine Direct Insurance
Tel
No: 01494 603603
Carriagehouse
Insurance Services
Tel
No: 01206 337388
Also
Insurance for carriages.
E
& L Insurance
Tel
No: 08707 42 37 00
EMail
Address: info@eandl.co.uk
Also
policies for riders only.
Equestria
Insurance Services Limited
Tel
No: 01536 418100
EMail
Address: sales@equestrianinsurance.co.uk
Horseboxes
- cover available for drivers 20+
Equestrian
Direct Insurance Services Limited
Tel
No: 01494 833 200
"Unique
24hr service."
Equestrian Plan from LawShield UK Ltd: Sadly accidents do
happen. If an accident does occur, most insurance policies will leave
you to pay for uninsured losses, which may extend to thousands of
pounds. For a nominal premium, you can protect yourself with the
Equestrian Plan. The benefits under the policy are substantial and will
protect you if you are involved in an accident. For more information
please see our website.
Equestrian
World Insurance Services
Tele:0141
427 7722
Fax:0141 314 0026
Horse
& Rider Insurance Direct
Tel
No: 01926 452626
New rider only policy.
Just
Equestrian
Tel
No: 01273 611555
Kbis
Equine Insurance
Tel
No: 01635 247474
EMail
Address: horseins@kbis.co.uk
Millin
Insurance Services
Provide a professional insurance broking service for
horse owners and equestrian businesses. Millins arrange all classes of
insurance - horses, stables, riding schools, livery yards, horseboxes,
household insurance, personal accident, and many more. Tel No: 01257
463161. EMail office@millins.co.uk.
National
Farmers Union (NFU)
Tel
No: 01844 278755
Also
policies for riders only.
Petplan
Equine
Tel
No: 0800 783 7777
Also
policies for riders only. New insurance policy for riders competing at
all levels of eventing. A discount of 12% is available to British
Eventing members. Call 0800 316 4184 for more details. Also a new
insurance policy for riders competing at all levels of dressage. Special discounts
for British Dressage members. Call 0800 316 4183 for more details.
Scottish
Equestrian Insurance Services
Festival House
150 Brand Street
Glasgow, G51 1DH
Phone: 0141 427 9898
Fax: 0141 427 7111
Shearwater
Insurance
Tel
No: 08700 718666
South
Essex Insurance Brokers
Tel
No: 0800 289 982
EMail
Address: enquiries@seib.co.uk
Stoneways
Insurance
Tel
No: 01483 426966
EMail
Address: kirsty@stoneways.uk.com
Based in Godalming, Surrey & insure horses,
ponies, pets & trailers all over the United Kingdom.
The
Insurance Shop
Tel
No: 01536 762555
EMail
Address: sales@online-insurance-shop.co.uk
If you use the services of a Lloyd's and
General Insurance Standards Council (tel: 020 7648 7800) member broker,
these brokers are regulated and bound by law to give you independent
advice.
Useful Contacts:
Association of British
Insurers
British Insurance Brokers' Association
14 Bevis Marks, London EC3A 7NT.
Members: 0844 77 00 266
Consumer Helpline: 0870 950 1790
Fax: 020 7626 9676
Email:
enquiries@biba.org.uk
Insurance
Policy Checklist
The following companies provide equine legal services:
United Kingdom:
www.lawsociety.org.uk/choosingandusing/findasolicitor.law
Aaron &
Partners LLP, Equine Law Group
Contact Joanne Emery or Wendy Trainor on
T: 01244 405555 F: 01244 405566, Email:
litigation@aaronandpartners.com with the subject "Enquiry for JCE"
Blythe
Liggins Solicitors of Leamington Spa
Tel Jacqui
Fulton on 01926 83123, e-mail
jf@blytheliggins.co.uk
Butcher and
Barlow - Solicitors
Darbys, Tel: 01865 811700
Howarth Goodman
Lancashire. Contact:
sg@howarthgoodman.co.uk
Tel:01772 882244
JM Legal Services, Tel: 01634 821100
Michael
Segen & Co, Tel: 020
7404 5533
Midwinters, Tel: 0800
1691 803
NFU
Countryside Legal Services, Tel: 0870
523 4638
NFU Mutual
Equine Legal Service, Tel: 0870
844 5678
Panone
& Partners, Tel: 0161
909 3000
Pearce Legal solicitors
Tel:0121
777 9099, Email:
equine@pearcelegal.co.uk
Pickworths
Solicitors, Tel: 01727
844511
Stephensons Solicitors - legal services the way
you want them: Andrew Leakey, Partner. 01942 777777
ale@stephensons.co.uk
Taylor Vinters
Tel: 01223 423444,
Email: Rachel.Flynn@taylorvinters.com
The
Equine Lawyers Association
Tel: 01652
688 819, Email:
chairman@eqla.demon.co.uk
White and
Bowker Solicitors
WRIGHT HASSALL
Contact: Richard Lane, Phone: 01926 886688,
Email: richardl@wrighthassall.co.uk
Useful web sites:
Canadian -
Equine Law - legal
education to the horse industry.
USA -
Equestrian Liability Limitation Laws
USA -
Miller, Griffin & Marks, PSC, is a Lexington, Kentucky law firm that
offers a full complement of legal services
USA -
Kentucky Equine Attorneys, includes
discussion of Kentucky's recently enacted statute which deals with the
buying and selling of horses.
Equine
Law Web - A web site devoted
to legal issues involving horses.
Lehman, Lee & Xu law firm
in Beijing the only law firm in
Beijing, China that deals with Equestrian Law.
Equestrian Liability Limitation Laws - USA
www.lane-equestrian.co.uk - Charlie Lane: equestrian consultant
specialising as an equestrian expert witness.
Legal
Insurance
Policy Check List:
When assessing market value, does the company
go by age, breed, bloodline or ability?
Does the horse need a vet's
certificate?
Does the premium include
premium tax (5%).
Is there an extra charge for
paying premiums monthly?
What is the
excess/co-insurance on claims for vet's fees (is there a time limit on cover
for vet's fees), loss of use and saddlery (check rugs are covered)?
When does the cover start
from?
Does the vet's fees cover per
incident, per claim or in total over a year?
Is alternative e.g.
physiotherapy treatment covered?
What percentage is the loss of
use cover?
Does loss of use vary if the
horse is kept rather than destroyed?
Find out what sort of documents you will need to supply if
planning a change to the policy in the future - for example increased value.
Check that you have the correct "class of use" cover for
your horse.
Check whether or not your insurance company will accept fax
copies of information.
Find out what sort of security is required for saddlery and
tack cover (make sure that you keep your receipts!).
Check the amount of the excess on the policy.
Ask the insurance company if it has a sister or mother
company - some companies may be subsidiaries of companies you might have had
bad experiences with.
How does the company make up its claim panel?
If you need advice on what to do if you are unhappy
with the way your claim has been dealt with, contact:
The Financial
Ombudsman service
South Quay Plaza
183 Marsh Wall
London
E14 9SR
Tel: 0845 080 1800
Email:
enquiries@financial-ombudsman.org.uk
The Association of
British Insurers
Consumer Information
Department
51 Gresham Street
London
EC2V 7HQ
Tel: 020 7600 3333
Email:
info@abi.org.uk
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