We can cover Broodmares for All Risks of Mortality and Theft. We also offer cover for pregnancies, see the Prospective Foals tab for more information.
For full policy wordings please see the PDF documents below. At a glance our policies include the following:
Guaranteed Renewal Clause (Exclusive to HQ Insurance)
In the event that your horse insured under this policy has incurred a life-threatening injury, illness or disease, coverage will automatically RENEW at the existing sum insured until the first policy anniversary date after the horse reaches the age of 14 or until such time as the injury, illness or disease is no longer life-threatening, whichever is sooner. Further, NO Veterinary Certificate will be required for any renewal until the horse reaches 14 years of age.
In the event of a covered loss, Underwriters will pay the full amount for which your horse is insured under the policy schedule at the time of the loss occurring.
Options for Life Saving Surgery (No Policy Excess and Superior Market Wording)
This extension covers Veterinary expenses including up to 14 days of after-care costs and transport to and from the hospital / clinic in instances where surgery under general anaesthetic is performed in an attempt to save the life of your horse, Limits of up to $10,000 and $15,000 available.
Prompt Claim Settlements
This is on top of the standard Mortality cover which responds in the event of death either through natural causes or an accident, injury or illness so severe that a Veterinarian performs euthanasia on humane grounds to curtail excessive and ongoing pain and suffering. Standard Coverage also includes Theft and the freedom to transport your horse anywhere within and between Australia and New Zealand.
Find our related policy wordings below.
Can’t find the document you’re looking for? Check out resources page for more available downloads.
Fall of Hammer
When buying a horse at auction sales, once the gavel has fallen and you are the successful bidder, the purchase is contractually yours and you are responsible for it.
At fall of hammer risks to and in the horse immediately transfer from the seller to the buyer. Our Fall of Hammer insurance cover will be the safety net upon which you can rely for incidents that trigger a claim under the policy.