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What to do in the event of a claim

Claims reporting

For all claims you must advise Carriagehouse (UK) Ltd as soon as practicable either by phone or by completing the relevant form.

For all claims

  1. You must take all reasonable care to limit any further loss, damage or injury.
  2. You must complete and return a claim form which you will find below.

Theft claims

  1. You must inform the Police immediately following a break in or theft or attempted theft and then assist them with their investigations. You will be required to supply a crime reference and details of the attending Police when you submit your completed claim form.
  2. We recommend that you take photographs of any evidence of the breaking or damage to property that occurred during the break in.
  3. You will be required to send in estimates for values for any items of saddlery or accessories stolen, subject to the limits detailed on the Schedule. You may be required to provide proof of valuation on any items specified in the Schedule that are stolen.


How we deal with your claim

Fraudulent claims

If you, or anyone acting on your behalf, make a claim knowing it to be false or fraudulent in amount or in any other respect, this insurance shall be invalid and all claims shall be forfeited.

Other insurance

We will not pay for any claim if any loss, damage or liability covered under this insurance is also covered wholly or in part under any other insurance except in respect of any excess beyond the amount which would have been covered under such other insurance had this insurance not been effected.

Defence of claims

Insurers shall be entitled to take over and conduct in your name, the defence or settlement of any claim, or to prosecute in your name for own benefit, any claim for indemnity, or damages, or otherwise and shall have full discretion in the conduct of any proceedings, and in the settlement of any claim.

Additional information

  1. We reserve the right to appoint a loss assessor or to take a second veterinary opinion.
  2. Parts for the repair of carriages can take time to be provided to repairers, this is outside the control of both the Insurer and the repairer.


The issue of this form is not an admission of a claim and further information may be requested upon receipt of all the facts relating to this treatment/incident.

Please complete the following and submit it to us as soon as possible.

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