POLICY SUMMARY – PERSONAL LIABILITY INSURANCE EFFECTED BY THE BRITISH DRIVING SOCIETY LTD

This is a policy summary and does not contain the full terms, exclusions and conditions of the cover, which can be found in master policy no: KB11/A01936 issued to The British Driving Society Ltd

This insurance is underwritten by The International Insurance Company of Hannover Limited. A Full Policy wording is available on request to The British Driving Society Ltd.

Parties comprising the Insured – All Members of The British Driving Society Ltd 

Period of Coverage:      From    (i)         1^st January 2012, providing the renewal of membership subscription is received

by The British Driving Society Ltd by 31^st January 2012, or

(ii)         The date that the initial or renewal membership subscription is received by The British Driving Society Ltd whichever date is the later

                                    To                    31^st December 2012, both days inclusive.

Important information

1.         In respect of persons granted temporary day membership as provided for in definition 4(b) the Period of Coverage within the period 1^st January 2012 to 31^st December 2012 (both days inclusive), shall be from the time of arrival at the site of the The British Driving Society Ltd event in which they are participating until time of departure there from only.

2.         In respect of members of an The British Driving Society Ltd driver’s crew as provided for in Definition 4(c) the Period of Coverage shall be whilst acting directly for an The British Driving Society Ltd Member as crew (occurring between 1^st January 2012 and 31^st December 2012, both days inclusive) only.

Significant Definitions

4)“Member” shall mean:-

            (a)        any member of The British Driving Society Ltd:

(i)         normally domiciled in the United Kingdom, the Isle of Man, the Channel Islands, Republic of Ireland or at bases of Her Majesty’s Forces Overseas

(ii)         normally domiciled elsewhere in the World whilst temporarily visiting the United Kingdom, the Isle of Man, the Channel Islands or Republic of Ireland

who has paid his/her membership subscription to The British Driving Society Ltd

(b)        any person granted temporary day membership of the Master Policy Holder by virtue of entering as a participant in an The British Driving Society Ltd Event

(c)        any member of an The British Driving Society Ltd driver’s crew

or,

(d)        if required by Law, the parent or guardian of the said member.

(e)        in the event of the death of the member, the personal representatives of the member in respect of liability incurred by the member.

(f)         any person normally domiciled outside the countries specified in (a)(i) above whilst participating in international competitions in the United Kingdom organised under the auspices of or recognised by The British Driving Society Ltd from the time of arrival at the site of the competition until time of departure therefrom.

Providing that such person shall as though he were the Assured observe, fulfil and be subject to the terms, conditions, limitations and exclusions of the Master Policy.

5)“Horse” shall mean any horse, pony, donkey, mule, ass or jennet.

Personal Liability

Covers the Assured for

1)         all sums which the Assured shall become legally liable to pay as damages up to but not exceeding the Limit of Indemnity and, in addition, claimants’ costs and expenses in respect of accidental Bodily Injury of loss of or damage to Property as deigned in the Master Policy.

2)         all costs and expenses incurred with the written consent of the Underwriters in respect of any claim against the Assured which may be the subject of indemnity under the Master Policy

happening anywhere in the World during the Period of Coverage and arising out of the Assured’s use and/or ownership and/or control of a Horse(s) or Horse drawn vehicle(s) and direct participation by the Assured in other Horse related activities.

All claims must be brought in European Courts.

Excess                         The first £500 of each and every loss or damage to property.

Limit of Indemnity        in respect of any one claim or all claims of a series arising out of one original cause shall not exceed £5,000,000

Extensions (subject to all the terms, conditions, limitation and exclusions of the Personal Liability Section)

1)         Authorised Users’ Indemnity – cover extends to indemnify in like manner to the Assured any person given permission by the Assured to use the Assured’s Horse or Horse drawn vehicle or a Horse or Horse drawn vehicle normally in the Assured’s custody whilst using such Horse or Horse drawn vehicle only subject always to condition (5).

2)         Grooms Indemnity – cover extends to indemnify in like manner to the Assured any groom whilst working for the Assured for liability, as defined, arising out of such work for the Assured.

Significant Exclusions

The Underwriters under the Master Policy shall not be liable for:-

1) and 9) Bodily Injury to any member of the Assured’s family or household or to any Employee.

2)         loss of or damage to Property belonging to or in the care, custody or control of the Assured or member of the Assured’s family or household or a person in their service.

3)         Bodily Injury or loss of or damage to Property arising out of or incidental to any profession, occupation or business of the Assured, except in respect of grooms working for the Assured as provided for in Extension (2) hereof.

6)         any liability which is assumed by agreement unless such liability would have attached in the absence of such agreement.

10)        (i) Horse racing, point to point racing or steeple chasing other than:-

            (a)        Endurance Riding or Driving or Precision Driving against the clock

(b)        Racing which forms part of an Equestrian Event the primary purpose of which is not racing and where the said race is not being run under the rules of any Turf or similar Authority.

            (ii) the use of a Horse or Horse drawn vehicle for hire or reward.

11)        any claim arising from circumstances known to the Assured prior to the commencement of coverage hereunder.

13)        any act of Terrorism.

14)        hazardous materials.

15)        fungus, including but not limited to mildew, mould, spore(s) or allergens.

16)        asbestos or materials or products containing asbestos.

Significant Conditions

4)         The Assured shall take all reasonable care to prevent accidents and to maintain all buildings, furnishing and vehicles in sound condition and to employ only competent Employees and to act in accordance with all statutory obligations and regulations. The Assured shall forthwith make good or remedy any defect or danger which becomes apparent or takes such additional precautions as the circumstances may require.

5)         If any claim covered by the Master Policy is also covered in whole or in part by any other insurance, the liability of the Underwriters shall apply as excess of, and not as contributory with, such other insurance.

7)         Cross Liability Clause.

In the event of a claim or possible claim under the Master Policy the Assured must immediately notify KBIS British Equestrian Insurance, Cullimore House, Peasemore, Newbury, Berkshire RG20 7JN or telephone 01635 247474 and speak to the liability department.

The Assured must not admit liability or offer or agree to settle any claim without the Underwriters’ written permission.

The Assured shall provide the Underwriters with such particulars and information as the Underwriters may require and shall forward to the Underwriters immediately on receipt every letter, writ, summons and process.

Failure to comply with all claims notification requirements stipulated in the full Master Policy wording may invalidate the Master Policy.

Any enquire or complaint should be addressed in the first instance to KBIS British Equestrian Insurance, Cullimore House, Peasemore, Newbury, Berkshire RG20 7JN or telephone 01635 247474.

If you are not satisfied with the way a complain has been dealt with you may ask the Compliance officer at International Insurance Company of Hannover Limited, L’Avenir, Opladen Way, Bracknell, Berkshire, RG12 0PE. Telephone 01344 397 600 to review your case without prejudice to your rights in law.

In all communications the Master Policy number appearing above shall be quoted.

You may also have the right of referral to the Financial Ombudsman Service who can be contacted on 0845 0801800 or email complaint.info@financial-ombudsman.org.uk more information is available at www.financial-ombudsman.org.uk/.

If the Underwriter is unable to meet its liabilities you may be entitled to compensation under the Financial Services Compensation Scheme (FSCS). Further information about compensation scheme arrangements is available at www.fscs.org.uk, by emailing enquiries@fscs.org.uk or by phoning the FSCS on 0207 892 7300.

Being  a group policy effected by the Master Policy Holder this Insurance does not provide the member with the statutory right to cancel an Insurance within 14 days that applied to individual Insurance policy contracts.

Please note –   Termination of membership of The British Driving Society Ltd from any cause will similarly terminate cover under the Master Policy from the same date.