• 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.
  • Format: 00000 000000.

  • Date of birth*
     / /
  • Is a joint policy required?*
  • Date of birth*
     / /
  • Is the risk address the same as the correspondence address?*
  • Are any other activities carried out?*
  • From what date is cover required?*
     / /

  • Please advise the number of horses for each category below:

  • Are all horses that are used for Equine Assisted Therapy/Learning owned by you?*
  • Do you require Care, Custody and Control cover for any third party horse in your care?*
  • If yes, please tick the level of cover required. (Please note, a maximum limit of £100,000 applies in the insurance year)
  • Will there be a ridden element in any of the sessions?*
  • Will the sessions be taking place on your own premises?*
  • Will you be using any mechanical equipment in conjunction with the sessions? (e.g. mechanical horse)*
  • Do you have a current DBS check?*
  • Do you have a written Health & Safety policy with risk assessments in place?*
  • Do you have an Accident Report Book?*
  • If yes, is it updated if an accident occurs?
  • Have full risk assessments of the horses/ponies been carried out, with written records kept?*
  • Do you have a valid licence if required to hold one by your local authority?*
  • Have any of the horses/ponies ever shown any signs of abnormal behaviour, for example but not limited to: kicking, biting, bucking, bolting etc.*
  • Will you provide personal protective equipment (PPE)?*
  • Will the PPE be checked regularly with written records of the checks kept?
  • Do any of the paddocks have a public right of way running through them?*
  • Are paths adequately signposted to make members of the public aware of any grazing horses?
  • Are the paths fenced off preventing the public from accessing any horses?
  • Do you have any paid employees?*

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

  • Do you have written staff induction/training records?
  • If you have employees, will yourself as the policy holder/owner be present at all times or will the employees run the sessions?*
  • Do you have any unpaid volunteers?*
  • 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 ina 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?*
  • How would you prefer to be contacted by Cliverton?*
  • Would you like to receive news and updates from Cliverton?*

  • 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, 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. I/we confirm that as far as I am/we aware the statements made by me/us or on my/our behalf in connection with this insurance are true and complete. I/We agree to accept a policy in the Company's usual form for this class of business.
  • Should be Empty: