Scope of cover
This policy covers damage caused by:
- sudden death
- emergency destruction
- permanent disability resulting from accident
- permanent disability resulting from sickness
- permanent disability resulting from lameness
- castration risk of 1- and 2-year-old stallions with normally developed sexual organs
- permanent infertility of mare after birth or miscarriage or resulting from sickness or accident
- fire
Compensation
We pay the following compensation:
- 100% of the insured value in the case of sudden death, emergency destruction or fire
- 90% of the insured value in the case of permanent disability resulting from accident, sickness, lameness, permanent infertility or as a result of the castration
Premium
The premium is calculated as a percentage of the insured value of your horse.
The table below shows the annual premiums exclusive of costs and insurance tax. Please use the Hippo Zorg Wizard for a personal premium calculation.
| Type of horse |
Horses and ponies |
Draft horses |
| insured value up to € 2.500 |
6,50% |
8,75% |
| € 2.501 up to € 3.500 |
7,50% |
10,00% |
| € 3.501 up to € 6.000 |
8,00% |
10,75% |
| € 6.001 up to € 7.500 |
8,50% |
11,50% |
| € 7.501 up to € 8.500 |
9,00% |
12,00% |
| € 8.501 up to € 10.000 |
9,50% |
on request |
| € 10.001 up to € 50.000 |
10,00% |
on request |
| insured value over € 50.000 |
on request |
on request |
From the year in which the horse reaches the age of 15 years, a premium surcharge applies of 1% per annum.
The minimum premium is € 30,- per annum. If the insured value exceeds € 50.000,- (€ 8.500,- for draft horses), we offer a premium rate on request. Click here to request a quote.
Applying for insurance
The following are required when requesting this policy:
- A completed and signed application form
- Insured value up to € 4.500,-: examination by our inspector
- Insured value from €4.501,- : a clinical examination report (max. 6 weeks old) and an x-ray examination (max. 12 weeks old)
Additional possibilities
This insurance can be supplemented by: