Hippo Zorg

Accident Insurance for Horse Riders / Carers of Horses

The (W.A. Hienfeld B.V.) Accident Insurance for Horse Riders / Carers of Horses can only be contracted as a supplement to a Hippo Zorg basic insurance or stud insurance.

Scope of the cover

This insurance provides cover for an accident in which the person concerned dies or suffers permanent disablement. The insurance provides cover during:

• walking of the horse to, into or out of the stable, box or horse trailer / - lorry;
• riding of the horse, including mounting and dismounting and participation in competitions in an amateur context
• (medical) care (feeding, cleaning, treatment by a veterinarian/farrier, etc.);
• the cleaning out of the stable/box.

How this insurance differs from other accident insurance policies

If you take out ordinary accident insurance, you will have a policy in which you are described as the insured person. This means that if your fellow rider suffers an accident with your horse, your fellow rider is not covered by your insurance.

However, if you take out an Accident Insurance for Horse Riders / Carers of Horses, you will receive a policy that does not name any particular person, but merely identifies your horse.

This insurance therefore covers anyone dealing with that horse (with your permission). This entails cover not only for yourself, but also for your fellow rider, the stable-hand, the farrier, etc.
 

Indemnity

This insurance offers an indemnity payment in the event of the permanent disablement or death of an insured person. The maximum amount of the indemnity depends on the combination you choose. There are two possibilities (combination 1 and 2):

In the case of permanent disablement, the amount of the payment also depends on the degree of disablement.
The payment for this is often a percentage of the insured amount. In the policy terms and conditions you can read how this is determined and what the percentages are.

Premium

The premium for combination 1 is € 20 a year. For combination 2 it is € 30 a year. This is exclusive of costs and insurance tax.

Applying for insurance

To apply for this insurance, a fully completed application form is all that is needed.

NB: This insurance can also be contracted with us through an insurance broker.