Equipage Insurance Brokers

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Contact details: Office: 011 468 4235. Fax: 086 607 6803.
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Loss of Use Cover

LOSS OF USE COVER must be taken in conjunction with Mortality Cover.

Age Limits: From 3 years to a maximum of 16 years.

If your horse becomes totally and permanently incapable of being ridden, but its condition does not necessitate destruction for humane reasons, you may suffer a financial loss.  Provided the horse sustains a permanent proven disability we will indemnify you up to but not exceeding 50% of the insured value.

Pre-purchase Examination Report is required for Loss of Use Cover at inception of the policy irrespective of the Insured Value of the horse.  

This cover cannot be offered for Breeding, Endurance, Polo and Polo Crosse. The horse must be competing in ridden classes to qualify for this cover.

This extension does not cover:

  • Any loss as a result of blemishing.
  • Any loss due to an insured horse's inability to breed.