horsescotland members qualify for a £10.00 discount.
COMBINED INSURANCE COVER
TO COVER
PUBLIC AND PRODUCTS LIABILITY AND PERSONAL ACCIDENT INSURANCE
FOR
HOLDERS OF THE UK COACHING CERTIFICATE (EQUESTRIAN), UKCC COACH EDUCATORS AND UKCC ASSESSORS.
All coaches holding a UK Coaching Certificate resident in Great Britain, the Channel Islands or the Isle of Man, UKCC Coach
Educators and UKCC Assessors can apply for the following insurance:
PUBLIC AND PRODUCTS LIABILITY (only available with personal accident cover as detailed below)
Provides cover to pay damages awarded and authorised legal/other costs if you are held liable in law following bodily injury to a
third party or damage to their property arising in the course of your business as a freelance coach.
If legal liability is proved, the policy will pay damages up to:
Public Liability - GBP 5,000,000 for any one claim - the number of claims in the period is unlimited.
Products Liability - GBP 5,000,000 for any one claim and in all in the period.
The policy also pays costs incurred with the consent of Underwriters in defending the claim.
It is a Condition Precedent to Liability cover being provided in terms of this policy that hard hats are worn by all your clients whilst
riding and that you hold a current Health and Safety at Work or Equine Specific First Aid certificate and a Good Practice and Child
Protection certificate.
PREMIUM: £106.00 including Insurance Premium Tax and Doc Fee
PREMIUM for horsescotland members: £ 95.91 including Insurance Premium Tax and Doc Fee
MAIN EXCLUSIONS
1. Claims against you by anyone in your employ, or a member of your family or household.
2. War or terrorism.
3. The first GBP 250.00 of any claim for damage to property.
4. Excluding USA and Canada.
EXTENSIONS
Landowners - The policy extends to cover owners of land that you use in the course of business for their legal
liability arising out of your activities.
Care, Custody or Control - The policy extends to cover your legal liability for injury or sickness of horses and damage to
saddlery and tack not owned by you but in your care, custody or control.
2 America Square London EC3N 2LU
and at Lloyd’s
t: 020 7133 1200 • f: 020 7133 1500 • www.windsor.co.uk
Windsor Partners Limited is authorised and regulated by the Financial Services Authority
Registered in England No. 05988409 Registered Office: 2 America Square, London EC3N 2LU VAT Reg. No.
397176895
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Limit: GBP 100,000 any one occurrence for horses.
GBP 5,000 any one occurrence for saddlery and tack.
PERSONAL ACCIDENT (only available with public and products liability cover as detailed above)
The policy pays you compensation if you suffer accidental bodily injury happening whilst you are engaged in the course of your
business as a freelance coach anywhere worldwide, including instructing or giving clinics/ seminars but excluding whilst travelling
to and from such activities.
SCHEDULE OF COMPENSATION
Death GBP 100,000
(but if you are under 16 years of age) GBP 5,000
Permanent Disablement –Per Scale of benefits (depending on the injury) maximum GBP 100,000
Dental and Optical Treatment GBP 750
PREMIUM: GBP 37.35 including I.P.T.
MAIN EXCLUSIONS AND CONDITIONS
Excluding war or Terrorism.
Excluding racing or polo.
Excluding AIDS, suicide, deliberate exposure to danger except in attempt to save human life, drink/drugs and mental/emotional
conditions.
Excluding wear, tear, gradual deterioration and faulty design in respect of dental and optical treatment.
If the consequences of an accident shall be aggravated by any condition or physical disability of the Insured Person which existed
before the Accident occurred, the amount of any compensation payable under this Master Policy in respect of the consequences of
the Accident shall be the amount which it is reasonably considered would have been payable if such consequences had not been so
aggravated.
There is an option to extend the cover to include equestrian related activities. GBP 53.51 including I.P.T.
2 America Square London EC3N 2LU
and at Lloyd’s
t: 020 7133 1200 • f: 020 7133 1500 • www.windsor.co.uk
Windsor Partners Limited is authorised and regulated by the Financial Services Authority
Registered in England No. 05988409 Registered Office: 2 America Square, London EC3N 2LU VAT Reg. No.
397176895
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NB. “business as a freelance coach” shall mean the provision of horse riding instruction by the coach to a third party (or parties)
where the third party (or parties)
(a) does not use a horse belonging to the Coach or any person closely related to the Coach
or
(b) uses a horse belonging to the Coach or any person closely related to the Coach for the purpose of demonstration
only (including use for the entire period of instruction) provided the Coach does not utilise more than two horses for
this purpose at any one time.
For the avoidance of doubt "business as a freelance coach" does not cover horse riding instruction or circumstances which
constitute the operation of a riding establishment. The term "riding establishment" means the carrying on of a business of keeping
horses primarily to let them out on hire.
A Liability insurance does not automatically pay out - it only pays if negligence is proved and you are liable in law.
A Personal Accident policy pays benefit without any need to prove negligence.
The above is only a brief summary of the Public and Products Liability policy placed with Great Lakes Reinsurance (UK) PLC and the
Personal Accident policy placed with certain Underwriters at Lloyd's, London. Both the insurances are subject to the full terms,
exceptions and conditions of the policies – full details are available from Windsor Partners Limited.
CLAIMS
Any claims must be reported immediately to WINDSOR PARTNERS LIMITED, AMERICA HOUSE, 2 AMERICA SQUARE, LONDON EC3N
2LU. TEL: 020 7133 1200 FAX: 020 7133 1500
For liability claims, do not admit liability, offer any payment to or enter into correspondence with a third party.
If you are interested in obtaining the cover specified please send this completed proposal to:
Fiona Rawson
Horsescotland Office
Titwood Farm
Kilmaurs
Ayrshire, KA3 2PN
* Note: Covers are not available separately. You MUST take one or other of the personal accident covers in addition to the
public and products liability cover.
Name:
Address:
Telephone Number: Email Address:
Date of Birth: Coaching Level: 1 2 3 4 5
Scottish Equestrian Membership Number:
Personal Accident Cover: (Please tick to indicate option)
2 America Square London EC3N 2LU
and at Lloyd’s
t: 020 7133 1200 • f: 020 7133 1500 • www.windsor.co.uk
Windsor Partners Limited is authorised and regulated by the Financial Services Authority
Registered in England No. 05988409 Registered Office: 2 America Square, London EC3N 2LU VAT Reg. No.
397176895
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(a) Whilst engaged in the course of your business as a freelance coach
OR
(b) Whilst engaged in the course of your business as a freelance coach or whilst engaged in any equestrian related activity
Declaration:
I hereby declare that the foregoing information is correct and true and that I have in place and will maintain during the duration of
this insurance cover a current Health and Safety at Work or Equine specific First Aid certificate and a Good Practice and Child
Protection Certificate.I further confirm that I am in good health and consider that I present a normal risk for insurance purposes.
Signed……………………………………………………………………….date……………….
2 America Square London EC3N 2LU
and at Lloyd’s
t: 020 7133 1200 • f: 020 7133 1500 • www.windsor.co.uk
Windsor Partners Limited is authorised and regulated by the Financial Services Authority
Registered in England No. 05988409 Registered Office: 2 America Square, London EC3N 2LU VAT Reg. No.
397176895
D:\Docstoc\Working\pdf\84bbc8aa-a474-4191-877b-0a74665289c1.doc