Bloodstock insurance introduced by EMR in partnership with Willis Towers Watson

This policy is a Mortality and Theft policy and is designed to cover:

– Death of the horse caused by accident, injury, illness or disease and

– Theft of the Insured Racehorse, horse in training for racing, Broodmares, Youngstock, and foals (which can be added from 24 hours).

Please view the Insurance Product Information Document (IPID) and the Policy Wording for full details.

Yes all documentation should be reviewed to ensure it is as expected. Please notify WTW immediately if any of the information is incorrect on your policy.

The policy is designed to cover horse(s) who reside permanently in one of: the United Kingdom or Northern Ireland or but it will also cover the horse(s) whilst anywhere within WESTERN EUROPE on a temporary basis, including transits therein. You must contact WTW immediately if the horse(s) is permanently relocated outside of the United Kingdom, Northern Ireland or Republic of Ireland during the policy period.

WESTERN EUROPE is defined as Austria, Belgium, Denmark, Finland, France, Germany, Gibraltar, Greece, Ireland, Italy, Liechtenstein, Luxemburg, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland and the United Kingdom).

Yes, you can request an amendment to your policy at any time by contacting:

• [email protected]
• Or phoning +44 (0)1473 223020

WTW will then confirm if the requested change can be made and any adjustment in premium.

See list below which is not exhaustive:

• Change of name
• Change of address of either you or your horse(s)
• Horses Sum Insured
• Any change in class of racing activities e.g. Flat racer becoming a Hurdler WTW – Bloodstock Insurance
• If you have been declared bankrupt or the subject of bankruptcy proceeding or had any county court judgement made against you
• If you have had any claims or convictions

Failure to notify WTW of any changes may impact any future claims.

In the event of a claim, or incident that could lead to a claim, you must report this to WTW as soon as possible. In the event of a theft claim you must also notify the local police obtaining an incident number and follow their recommendations.

WTW’s Claims Guide provides the steps you should follow.

Please email notification and any supporting documentation to both:

• [email protected], and [email protected]

If you need assistance, please call WTW on +44 (0)1473 223020.

If your horse is due to have any surgery /exam away from home, please tell WTW as soon as you are aware with the following information:

Your Name and Policy Number

The horse’s name

Name and address of Veterinary Surgeon together with details of the planned surgery. Explanation of the need for surgery and any veterinary report stating the horse is fit for surgery and the date and time the surgery is scheduled

This should be provided to:

• Email: [email protected] & [email protected]
• Or call WTW on: +44 (0)1473 223020

The price of Bloodstock insurance will depend on several things, including:

• Your horse’s age
• Your horse’s gender
• Your horses’ value
• Your horse’s use
• Your horse’s medical or surgical history

If you would like to discuss your quote, please contact WTW on:

• Email : [email protected]
• Telephone : +44 (0)1473 223020

This policy is a Mortality and Theft policy. If you require an alternative coverage, please contact WTW’s office so that they can discuss your needs.

• Email : [email protected]
• Telephone : +44 (0)1473 223020

Bloodstock insurance is typically available to individuals and businesses involved in the equine industry such as racehorse owners, breeders, and trainers. You must have a financial interest in the horse, or be acting on behalf of someone who does, known as an Ultimate Beneficial Owner (UBO).

A Policyholder is the person who owns the insurance policy. They are normally someone with a financial interest in the horse. The policyholder can request changes or cancel a policy and is responsible for paying the policy premium and distributing any claims settlement.

Cancellation

This policy is a 12-month contract of insurance that is paid annually.

You can cancel your policy at any time by contacting WTW on:

• [email protected]
• Or telephone +44 (0)1473 223020

WTW cannot cancel a policy without the policyholder’s permission.

If you cancel your policy within 14 days of your policy start date and we haven’t paid or been notified of any claim, we’ll give you a full refund. If you cancel after 14 days of your policy start date and we haven’t paid or been notified of any claim, we’ll refund you for any time left on your policy.

If we’ve paid any claims for something that happened in this policy year, you must pay the remaining premiums for the rest of the policy year, which is shown in Your Schedule.

For more information about cancelling your policy, please see the ‘Cancelling your policy’ section of your Policy Wording.

 Complaints

WTW’s aim is to ensure that all aspects of your insurance are dealt with promptly, efficiently, and fairly. At all times WTW are committed to providing you with the highest standard of service.

If you have any questions or concerns about your policy or the handling of a claim please contact WTW on [email protected] or by phoning WTW on +44 (0)1473 223020 Monday to Friday 9am to 5pm.

You can find more information on the complaints process in your policy wording.

Your policy number can be found on the front cover and first page of your Policy schedule and in all WTW correspondence this will also appear in the subject line of any emails from them.

If you are experiencing any issues with the website, please contact WTW:

• Email: [email protected]
• Or Telephone: +44 (0)1473 223020

How long will it take to process my claim?

We work hard to reimburse you as quickly as possible once a claim has been agreed. We generally aim to complete the adjustment of claims in 30 days or less. If you need to contact us about your claim status, please email the following:

• [email protected]
• [email protected]

Or alternatively you can call WTW on +44 (0)1473 223020 (Operating Monday – Friday 9am to 5pm BST).