Scope of cover
This policy covers damage caused by:
- sudden death
- emergency destruction
- permanent inability to reproduce resulting from sickness or accident
- permanent infertility due to an incurable pathological disorder, including a deterioration in semen quality reflected in a reduction in semen production so that the stallion no longer meets the applicable standards in a permanent manner
- fire, explosion with collapse and lightning strike in the stable
- theft
Important note: This policy does not cover permanent disability resulting from lameness!
The stud policy can be taken out for stallions which are approved for stud services in accordance with the relevant studbook.
Extra cover extensions
In addition to the general additional possibilities, there are a number of specific extension possibilities on the stud policy (for horses other than draft horses):
- cover for permanent disability for use for artificial insemination with fresh semen
- cover for permanent disability for use for artificial insemination with frozen semen
- cover for permanent disability as a sports horse ("sport horse risk")
This supplement also covers permanent disability resulting from lameness, which is not insured under the regular stud policy. The sport horse risk is insured on the basis of a comprehensive insurance. Please contact us for more information concerning the possibilities or for a no-commitment quote.
Compensation
We pay the following compensation:
- 100% of the insured value in the case of sudden death, emergency destruction, fire or theft
- 90% of the insured value in the case of permanent disability
- If your stallion is not completely infertile but is no longer suitable for artificial insemination with fresh semen and/or frozen semen, a partial payment is made if this risk is included in the policy. Please read the conditions of the stud policy for the details of this scheme.
Premium
The premium is calculated as a percentage of the insured value of your stallion. 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 |
Horse/Pony |
Draft horse |
| % of the insured value per annum |
3,75% |
7,50% |
| premium surcharge for artificial insemination with fresh semen |
0,25% |
not possible |
| premium surcharge for artificial insemination with frozen semen |
0,25% |
not possible |
The minimum premium is €30,- per annum.
Applying for insurance
The following are required when requesting this policy:
- A duly completed and signed application form
- A semen report from the Faculty of Veterinary Medicine at Ghent (max. 6 weeks old)
- Other acceptance requirements are set on an individual basis, depending among other things on the selected form of cover. Please contact us for further information.
Additional possibilities
The following forms of insurance may be added to this policy: