Foal Rate Guarantee & Extended Foal Policy limits, terms and conditions:

    • Subject to Loss record, insured and uninsured, to be supplied to HQ Insurance if you are a new client
    • HQ Insurance require sight of a formal quote elsewhere, with rate, sum insured, period of cover, security & insurer cited. If part of specially rated schedule, HQ Insurance would need to insure the entire schedule
    • Underwriters have the right to reject any foal/risk without explanation
    • Earliest acceptance of risk for foals is 24 hours after birth and at 24  hours it is not automatic – acceptance is subject to prescribed tests & blood results, as required, and acceptance by underwriters based on clean veterinary documentation
    • Sum insured stated on the Breeding Register is indicative, subject to confirmation upon presentation of the foal at 24 hours, conformationally correct and viable, with clean veterinary documents
    • Does not apply to business referred through a third party broker or intermediary
    • GST, stamp duty & broker fee additional charges, as applicable