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Six things you didn’t know about personal accident insurance

Do you know what Personal Accident Cover is? Have you ever considered taking out KBIS British Eventing Personal Accident Cover? We look at six reasons why you should.

RISK! We all know there is a level of risk involved with riding and even handling horses on the ground. They can be unpredictable, so how would you cope if a horse-related accident meant you were unable to work for a period of time? KBIS BE PA will pay out a weekly benefit in line with the cover you have chosen. This does not need to be reflective of your earnings; the cover option you select is the amount you will receive back.

KIT PROTECTION! If you were out competing in all your best competition gear and had a fall resulting in your air jacket being cut off, could you afford to replace this? While this may not be your top priority initially, later down the line it can be a worry. KBIS BE PA will pay out for the replacement of these items up to the value of £500 to get you safely back in the saddle as soon as possible.

COST! With cover for adults (over 16s) starting at £152.72 for the year, which includes weekly payments of £250* if you are signed off, can you afford not to buy it?!

TRAINING! Riding multiple horses for both yourself and others? KBIS BE PA provides cover for any accidents sustained while riding or handling horses as standard. This could be as a result of riding your own horse or while riding for someone else, at home or out and about.

INTERNATIONAL! Not only will KBIS BE PA cover you to ride any horse, it will also cover you anywhere in the world. While the policy would not replace your standard travel insurance, additional travel expenses will be paid out if you sustain an injury from an accident while out of the UK. This will cover costs up to £5,000 to get you home again following an accident abroad.

INJURIES! While we like to focus on the many positives of riding and eventing, the nature of the sport means there are more serious accidents that can happen. Life-changing injuries that occur as a result of riding or handling a horse will entitle the policyholder to a lump-sum benefit, where the amount varies depending on the injury sustained.

To get a quote or take out a policy go to https://www.kbis.co.uk/our-products/british-eventing-personal-accident/request-a-quote where you will need to complete a short registration form if you do not already have a login (this is separate from your BE login), then you can quickly and simply obtain a quote.

*Following an equestrian-related injury, if you are signed off as unfit for work by your doctor you are able to start claiming the weekly benefit after 21 days. 

Terms and conditions and Standard Underwriting Criteria Apply.