What to do in the event of a claim
For all claims you must advise Carriagehouse (UK) Ltd as soon as practicable either by phone or by completing the relevant form found on this website.
For all claims
- You must take all reasonable care to limit any further loss, damage or injury.
- You must complete and return a claim form which you will find below.
FOR HORSE OR DONKEY CLAIMS PLEASE ALSO TAKE NOTE OF THE FOLLOWING:
If your horse/donkey is ill, lame or has an accident, it is your duty to immediately seek the advice of your veterinary surgeon. You must then follow the recommendations made by the attending Veterinary Surgeon or any second opinion or referral practice as to treatment, rest and rehabilitation.
- You must obtain and complete a claim form and forward this together with a completed veterinary surgeon’s report form, both of which we will supply to you, your Horse’s full clinical veterinary history and also forward copies of the referral vet’s
- You must submit copies of the itemised invoices
- For all Veterinary Fee claims except emergency admissions, prior to your horse being admitted please obtain an estimate from your vet for the expected cost of their initial investigations and then if applicable, obtain estimates for the cost of treatment. If your horse is referred on to an Equine Hospital, please also obtain estimates from them
- If your horse is to have an operation, please contact us prior to this taking place so that we can review the claim and confirm to you that this operation will be covered.
- You must obtain prior authorisation for certain diagnostic work including CT, MRI and Bone Scintigraphy scans. Please contact us and we will confirm the information required in order to process this for you. Following these scans, additional reports from your veterinary surgeon(s) will be required.
- Should your horse/donkey die, or be euthanised, you must arrange at your own expense, for a Veterinary Surgeon to certify the cause of death by post-mortem examination, unless otherwise agreed by us.
- Once we agree and settle your claim, We will pay the agreed amount less your excess and any amounts not covered by this Policy.
- Please review your cover detailed in the policy wording (and key facts statement) in respect of items which are excluded and not covered. These include any specific exclusions that may apply to your horse and mean that any diagnostics, as well as treatment for an excluded condition won’t be covered.
- Please be aware of the financial limits of cover provided i.e. the sub limit for alternative treatment and remedial farriery which is £500, the co-insurance that applies on MRI scans, CT Scans and Bone Scintigraphy.
- Equine Gastric Ulcers: following diagnosis by gastroscope , we will initially pay for the first 28 days at up to a full dose and then a further 28 days at a withdrawal dose,. Further medication if required, will be covered up to a further 60 days subject a repeat gastroscope confirming the continuing presence of gastric ulcers.
How we deal with your claim
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.
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.
- We reserve the right to appoint a loss assessor or to take a second veterinary opinion.
- 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. We will forward you a report form that your Vet will have to complete and return together with your horse’s clinical history and the itemised invoices.