Buildings and Contents.

Stables, barns and outbuildings.

Both garden and field machinery including tractors (excluding road risk).

Hay, straw, feed and tack.

Third Part, employers and property liabilities.

Horses

 

Summary of Covers
     
Private Dwellings
Cover (in brief)
 

Loss or damage including fire or smoke, IightnIng, aircraft, expIosion, earthquake, riol or civil commotIon and maIicious damage, storm, flood, escape of water, coIIision, accidental breakage of fIxed glass and sanitary fittings and accidental damage to mains supply pipes or cables. AccidentaI damage.

Excess £100 Subsidence £1,000.

 

Personal Property, Household Goods and Personal Effects
Cover (in brief)
 

Loss or Damage incIuding flre, smoke, lightning, explosion or earthquake, riot, civil commotion, malicious damage, collision, theft, storm or flood. Escape of water/oiI, subsidence, ground heave, landslip. Accidental Damage/Loss anywhere in the World.

Excess £100.

 

Valuables  

Jewellery and Watches, furs, articles of precious metals. Accidental Damage/Loss anywhere in the World.

 

Property Damage, Outbuildings and Contents
Cover (in brief)
 

Fire or smoke, lightning, explosion, aircraft, earthquake, riot, malicious damage, escape of water, impact, falling trees, theft Excess £100, storm, flood and burst pipes. Buildings of standard construction. Excess £250. Increasing to £500 for non standard construction. Storm, flood and burst pipes excluded for buildlngs which are open fronted/sided.

 

Livestock Property of Insured Only
Cover (in brief)
 

Fire or smoke, lightning, aircraft, explosion, earthquake, riot, maIicious damage, electrocution, theft and fatal injury whilst straylng, livestock in transit (limit £10,000 any one load).

Excess £100.

Horses (Limit of £5,000 any one animal).

 

Loss of Income
Cover (in brief)
 

Standard cover: Fire or smoke, lightnlng, earthquake, riot malicious damage, theft and impact.

Excess £100.

12 month limit of indemnity - annual turnover .

 

All Risks  

Saddlery & Tack (including rugs ect) there is a single item limit of £500 unless specified.
Office equipment.

Excess £100.

 

Employers Liability  

Indemnity Limit- £10m.

 

Public Liability including commercial uses  

Indemnity - £2m.

 

Personal Liability  

Indemnity - £2m.
Protecting your rlghts cover is automatIcaIIy incIuded under the Household and Domestic Property section of the PoIicy.

Maximum amount payable £25000.

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