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

    A material fact is an important fact about you or your circumstances. Fairpresentation means that you must have disclosed all material facts, matters andcircumstances which you know, which could influence an insurer's orunderwriter's decision to accept your insurance. This also applies to factsthat you ought to know. You must disclose sufficient information to make theinsurers aware that they need to make further enquiries. They can then chooseto accept or decline your insurance. If they accept, they may apply certainterms. The duty of fair presentation is a significant obligation placed uponyou 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*
     / /
  • From what date is cover required?*
     / /
  • Is a joint policy required?*
  • Date of birth*
     / /
  • Are any other activities carried out?*
  • 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?
  • Are you approved by any of the following?*

  • Please state the maximum number of horses for each category below:

  • Are there any shows held on site attended by the general public?*
  • If you need cover for a single show, please state the date:
     - -
  • Are there any shows held on site open to existing livery clients only?*
  • If you need cover for a single show, please state the date:
     - -
  • Do you hire out any of your facilities? (e.g. ménage)*
  • Do you arrange pony camps?*
  • Do you provide accommodation for individuals attending the camps?
  • Is overnight stabling provided for horses/ponies attending the camps?
  • Are there livestock kept at the premises? (sheep, cattle etc.)*
  • Do you offer any hacking or trekking?*
  • Do you operate hacks/treks off the road?
  • Do you operate hacks/treks on the road?
  • Do you operate hacks/treks at the beach?
  • Are all hacks/treks accompanied by a qualified member of staff?
  • Do you have documented risk assessments in place for your various routes for hacking/trekking?
  • Do you provide accommodation for students, employees, riding school guests?*
  • Are meals provided?
  • Do any of the paddocks have a public right of way running through them?*
  • Are the paths fenced off preventing the public from accessing any horses?
  • Are paths adequately signposted to make members of the public aware of any grazing horses?
  • Do you require Care, Custody and Control cover for any third party horse in your care?*
  • Please select the maximum amount of cover below (a maximum limit of £100,000 applies in insurance year):
  • Do you ask all new clients to complete a questionnaire form?*
  • Do you capture and keep records of their riding experience and ability and details of any medical conditions that could be aggravated by riding which you need to be aware of?*
  • Have you assessed and documented the suitability of horses in relation to the abilities of riders? (i.e. novice, intermediate, advanced)*
  • Are horses under 4-6 years of age used for riding instruction?*
  • Are novices permitted to ride any animal under 6 years?*
  • Do you hold a valid licence?*
  • Are you aware of your obligations under the Health & Safety Act 1974? (see www.hse.gov.uk)*
  • Do you have a current DBS Check?*
  • Do you have an Accident Report book?*
  • Is it updated if an accident arises?
  • Are your electrical installations checked and maintained in accordance with current Health & Safety regulations?*
  • Do you have a written Health & Safety policy with risk assessments in place?*
  • Are your risk assessments reviewed regularly?*
  • Have full risk assessments of the horses/ponies been carried out, with written records kept?*
  • Have any of the horses/ponies ever shown any signs of abnormal behaviour? (for example but not limited to: kicking, biting, bucking, bolting etc.)*
  • Do you have any employees (paid or voluntary)?*
  • Rows

  • Please note you are legally required to arrange Employers' Liability for paid employees and for paid self-employed persons working under your direction. 

  • Do all persons engaged in riding instruction or leading/accompanying hacks/treks hold a suitable BHS or ABRS qualification or similar standard/experience?
  • Do you have written staff induction/training records?
  • Do you have documented risk assessments in place for general activities within the stable environment, including the handling of hazardous substances?
  • Do you have documented risk assessments in place for working with or near horses?
  • Have you communicated all risk assessments to your staff?
  • Will you provide Personal Protective Equipment (PPE) for your employees? ?
  • Will the PPE be checked regularly with written records of the checks kept?
  • Do you ensure you have sufficient qualified first aid staff available at all times?
  • 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 declaredbankrupt 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?*
  • How would you prefer to be contacted by Cliverton?*
  • Would you like to receive news and updates from Cliverton?*

  • 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 theinformation we hold about you for the purposes of providing insurance andhandling claims. This may involve processing sensitive personal data about youwhere it is necessary (for example health information or criminal convictions).This may mean we have to give some details to third parties involved inproviding insurance cover. These may include insurance carriers, third partyclaims adjusters, fraud detection and prevention services, reinsurancecompanies and insurance regulatory authorities. Where such personal information relates to anyone other than you, you mustobtain the explicit consent of the person to whom the information relates. Thisconsent must cover both the disclosure of such information to us and its use byus as set out above. The information provided will be treated in accordancewith the UK Data Protection Act 2018. You have the right to apply for a copy ofyour information (for which we may charge a small fee) and to have anyinaccuracies corrected.
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