MEMBERS' PERSONAL ACCIDENT INSURANCE
Valid until end of 2017
Personal Accident Insurance
British Carriagedriving Members’ Personal Accident
Underwritten by Lloyd’s Syndicate 4472.
All members as defined in the
rules of BC and such Marathon Groom Subscribers as have paid their subscription fee to BC are
automatically covered during their membership or subscription period. The membership or
subscription period is from the inception or renewal date of their membership or subscription period
(providing the membership/subscription fee is received by BC within 30 days of the said renewal
date) or from the date the full annual membership/subscription fee is received by BC (whichever date
is the later) until the expiry thereof.
Master Policy Period:
From 1 July 2016 at 00.01 GMT
to 1 July 2017 at 00.01 GMT
This Policy Summary is issued
as a Notice of Insurance for information only. It does not constitute a Legal Contract of Insurance
and is subject to all terms, conditions, definitions and exclusions of the Master Policy held by BC
(copies are available for inspection, if required, from the offices of BC), brief details of which
are outlined below:
The cover afforded under the
Master Policy is for all Members and Marathon Grooms as described above resident world-wide. Single
Event Marathon Grooms are only covered whilst at their first BC affiliated event happening during
the Policy Period, excluding whilst travelling to or from such event. The Insurance is only in
operation whilst the Insured Person is engaged in any horse related activities (excluding racing,
point-to-point and driving motor cycles of any type). Cover includes the care and handling of horses
and driving of horse drawn vehicles. Cover at an Organised Equestrian Event is limited to
horse-related injury but extended to include travelling thereto or therefrom (although the benefits
whilst travelling are restricted to Scale A below). The term ‘Organised Equestrian Event’ includes
organised practice or training sessions. The insurance is effective world-wide.
Scale of Benefits:
Horse Related Activities other than whilst attending an event or official practice/training session
organised by or affiliated to BC, British Dressage, BHS, BS, Pony Club, BHS Riding Clubs, BE, EGB,
BEV, BDS or FEI
B.... Horse Related
Activities whilst attending an event or official practice/training session organised by or
affiliated to BC, British Dressage, BHS, BS, Pony Club, BHS Riding Clubs, BE, EGB, BEV, BDS or FEI.
Death GBP 10,000
Total and irrecoverable loss of sight of both eyes
GBP 10,000 GBP 25,000
3. Total and irrecoverable
loss of sight of one eye GBP 5,000 GBP 12,500
4. Loss of two
limbs GBP 10,000 GBP
5. Loss of one
limb GBP 5,000
6. Total and irrecoverable
loss of sight of one eye and loss
10,000 GBP 25,000
Permanent total disablement (other than total
loss of sight
of one or both eyes or loss of limb[s])
GBP 10,000 GBP 25,000
Expenses up to Not covered
and excluding the first GBP
250.- of each and every claim
per day of confinement Not covered GBP 50
in all in the Master Policy Period Not
covered GBP 1,500
the first 5 days of each and every confinement.
The Master Policy is also
subject to certain Extensions, Exclusions and Conditions the more significant of which are shown
a) under Condition 1 of
the Master Policy the Insurance excludes any claim arising from or aggravated by a previous
disability of the Insured Person.
b) under Condition 5
Insured Persons under 16 years of age are limited to GBP 5,000 in the event of death.
War and kindred risks,
radioactive contamination, military service or operations, racing, point to point, air travel except
to and from an equestrian event in a commercial aircraft, suicide, intentional self-injury,
insanity, AIDS/ARC, deliberate exposure to danger, criminal act, alcohol, drugs, mental/emotional
conditions, pathogenic or poisonous biological or chemical materials and terrorism.
Under Condition 2 of the
Master Policy any potential claim should be notified as soon as reasonably practicable. Notice in
writing of any claim or intimated claim under this Insurance should be sent to Howden UK Group
Limited, Woodlands, Manton Lane, Bedford, MK41 7LW or to Ben.Evans@Howdengroup.com. If disablement
results, or may result, the Insured Person must be placed, as early as possible, under the care of a
qualified medical practitioner. In the event of a claim under this Insurance, all relevant medical
records must be made available to Underwriters on request and the Insured Person will allow the
medical adviser or advisers, by the appointment of Underwriters, to examine the Insured Person as
often as may be deemed necessary by the said Underwriters. A claim for permanent total disablement
will not be paid until at least 12 months after the accident.
If you wish to make a complaint concerning this policy you
should contact Howden UK Group Limited, 16 Eastcheap, London EC3M 1BD. Tel: 020 7133 13387 or to
In the event that you remain dissatisfied you can refer
the matter to the complaints Department at Lloyd’s. The contact details are: Complaints and
Advisory Department at Lloyd’s, One Lime Street, London, EC3M 7HA. Tel: 020 7327 5693 Fax: 020 7327
5225 Email: Complaints@lloyds.com.
Complaints that cannot be resolved by the Complaints &
Advisory Department at Lloyd’s may be referred to the Financial Ombudsman Service. Further details
will be provided at the appropriate stage of the Complaints process.
This complaint procedure is without prejudice to your
right to take legal proceedings.
Lloyd’s insurers are covered
by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme
if a Lloyd’s insurer is unable to meet its obligations to you under this contract. If you were
entitled to compensation under the Scheme, the level and extent of the compensation would depend on
the nature of the contract.
Further information about the
compensation scheme arrangements is available from the Financial Services Compensation Scheme –
Being a group policy effected
by the Master Policy Holder this Insurance does not provide the member with the statutory right to
cancel an Insurance within 14 days that applies to individual Insurance policy contracts.
NOTE - TERMINATION OF MEMBERSHIP OF THE BRITISH CARRIAGEDRIVING FROM ANY CAUSE WILL SIMILARLY
TERMINATE COVER UNDER THE PERSONAL LIABILITY AND PERSONAL ACCIDENT MASTER POLICIES FROM THE SAME