• Duty of Disclosure of Material Facts (Duty of Fair Presentation)

    A material fact is an important fact about you or your circumstances. Fair presentation means that you must have disclosed all material facts, matters and circumstances which you know, which could influence an insurer's or underwriter's decision to accept your insurance. This also applies to facts that you ought to know. You must disclose sufficient information to make the insurers aware that they need to make further enquiries. They can then choose to accept or decline your insurance. If they accept, they may apply certain terms. The duty of fair presentation is a significant obligation placed upon you under the contract of insurance. If you fail to meet this obligation, insurers can take various actions in accordance with the Insurance Act 2015.
  • Is the risk address the same as the correspondence address?*
  • Format: 00000 000000.

  • Date of birth*
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  • Annual renewal date (if applicable)
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  • Is a joint policy required?*
  • Date of birth*
     / /
  • Please select your business activities below:*
  • Is your livery yard BHS approved?*
  • From what date is cover required?*
     / /
  • Do you own or lease the premises?*
  • If lease, do you have a written contract in place with the landlord to stipulate who is responsible for fences/hedges etc?
  • Do you do any work outside of the UK?*
  • Rows
  • Do you require public liability cover for your own horses under this policy? Please note, if they are covered elsewhere, please select No.*
  • Do you require Care, Custody and Control cover for any third party horse in your care?*
  • If yes, please state the maximum value of any one horse: (Please note: a maximum limit of £100,000 applies in insurance year)*
  • If you have DIY liveries, do you provide any assistance to owners? i.e. turning out, feeding, etc.
  • Do you have any public rights of way running through your premises?
  • Are paths fenced off preventing the public from accessing any horses?
  • Are paths adequately signposted the make members of the public aware of grazing horses?
  • Are there any show(s) held on site attended by the general public?
  • Are there any show(s) held on site open to existing livery clients only?
  • If cover is for a single show, please state the date of the event:
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  • Do you hire out facilities? (e.g. ménage)*
  • Do you offer any freelance instruction?*
  • If yes, do you hold an instructor's qualification?
  • Are you an accredited trainer?
  • Do you provide any horses for teaching purposes?
  • Do you require cover for a riding or carriage driving club?
  • Do you require cover for horse transportation?
  • Do you operate vehicles 7.5 tonnes & over?
  • Do you hold a valid VOSA Operators Licence?
  • Is the centre a sanctuary only with no riding?
  • Please tick the appropriate height of the course:
  • Is a Jump Cross course used for schooling and/or training?
  • Is a Jump Cross course used for competitions?
  • Please state countries in which you work:
  • Are you BE approved?
  • Do you provide advice only for a fee? i.e. where you do not continue to complete the build element
  • Do you have a written Health & Safety policy with risk assessments in place?*
  • Do you have an Accident Report Book?*
  • Does this get updated if an accident arises?
  • Are your electrical installations checked and maintained in accordance with current Health & Safety regulations?*
  • Do you require employers' liability?*

  • Please note you are legally required to arrange Employers' Liability for paid employees and for paid self-employed persons working under your direction. 
  • Rows
  • Do you have written staff induction/training records?
  • Will Personal Protective Equipment (PPE) be provided?
  • Will the PPE be checked regularly with written records of the checks kept?
  • Has any insurer in respect of any of the risks to which this proposal refers, declined to insure you, cancelled or refused to renew your insurance or imposed special terms?*
  • Have there been any losses suffered, or events occurred which might have resulted in a claim, whether or not claimed for, during the last five years, in respect of any of the activities for which cover is required?*
  • Have you or any of your officers, business partners or directors, ever been convicted of any criminal offence other than a driving offence or have any non-motoring prosecutions pending?  You only need tell us about any convictions that are unspent under the Rehabilitation of Offenders Act 1974*
  • Have you or any of your officers, business partners or directors, ever been declared bankrupt or insolvent?*
  • Have you or any of your officers, business partners or directors, ever been investigated or convicted under the Fraud Act 2006, or equivalent legislation?*

  • Important Notice to Policyholders (The 2015 Insurance Act)

    As a result of changes introduced under the Insurance Act 2015 your policy terms and conditions have been updated accordingly. Your policy is a contract of insurance between you and the insurers, and you have a duty to make a fair presentation of the risk in accordance with the law.  This applies prior to the start of your policy, if any variation is required during the period of insurance and prior to each renewal.

  • Fair Presentation of Risk

    Not making a fair presentation of the risk, or not advising us of any errors in the information provided may result in a breach of the fair presentation of risk. Depending on the nature of the breach and what would have happened had the information been accurate, the insurer may choose to: 1. Declare your policy void (treating your policy as it had never existed), 2. Change the terms of your policy, 3. Refuse to deal with all or part of any claim or reduce the amount of any claim payment or 4. Cancel your policy. If any of the information within the documents provided is incorrect, you must advise us. We reserve the right to change the terms and conditions, premium or withdraw this quotation.

  • Data Protection Act

    By accepting your insurance policy, you consent to us using the information we hold about you for the purposes of providing insurance and handling claims. This may involve processing sensitive personal data about you where it is necessary (for example health information or criminal convictions).This may mean we have to give some details to third parties involved in providing insurance cover. These may include insurance carriers, third party claims adjusters, fraud detection and prevention services, reinsurance companies and insurance regulatory authorities. Where such personal information relates to anyone other than you, you must obtain the explicit consent of the person to whom the information relates. This consent must cover both the disclosure of such information to us and its use by us as set out above. The information provided will be treated in accordance with the UK Data Protection Act 2018. You have the right to apply for a copy of your information (for which we may charge a small fee) and to have any inaccuracies corrected.
  • How would you prefer to be contacted by Cliverton?*
  • Would you like to receive news and updates from Cliverton?*
  • Should be Empty: