Please find below common Frequently Asked Questions. If any queries are not covered, please contact us.
You can also download these FAQs as a PDF here.
IPC members are covered for third party liability whilst taking part in any IPC organised event. Members are not covered under the IPC policy for third party liability at any other time, for example whilst out hacking or during a non IPC competition.
A separate member’s personal accident policy is in place for all IPC members. This is 24 hour cover for all of a member’s equestrian activities anywhere in the world, providing they are normally domiciled in Ireland. The personal accident policy provides a capital benefit in the event of death or permanent disablement. It does not cover temporary disablement but provides some cover for hospitalisation and medical/dental treatment.
Public liability insurance provides cover if you are held liable for an injury to a third party or damage to property owned by a third party. For a claim to be successful, a third party has to prove that such bodily injury or property damage was a result of you being negligent in some way.
By contrast personal accident insurance is a ‘no fault’ policy. If an insured person is injured at an IPC event, they do not have to prove that anyone was liable in order to make a claim.
Third party liability is covered up to €13,000,000.
The personal accident policy covers up to €50,000 for permanent total disablement including the loss of use of two limbs or loss of sight in both eyes. Dental treatment may be claimed up to €3,000 and medical expenses up to €4,000.
Yes, the members liability policy has an excess of €2,000 which applies to any claim for third party property damage.
The personal accident policy specifically excludes any claim arising out of the participation in military service, racing or point to points (unless taking part in an IPC racing activity).
Yes, the member is covered at IPC events on any horse or pony regardless of whether it is owned by them or not.
Yes, the policy includes a member to member extension which means that one member can claim off another member if they were negligent in their actions.
The policy states that hard hats must be worn whilst riding unless the rules of competition prevent this (for example vaulting activities). No other provisions are stated regarding riding attire but insurers would expect branches to follow IPC rules and regulations on safety including suitable riding wear for IPC activities.
The IPC policy contains a Landowners Indemnity clause which states that the policy is extended to cover the landowner for any incident he may be held legally liable for whilst his land is being used for IPC activities.
Please complete an incident report form giving as much detail as possible. Please forward this to the IPC’s insurance broker, Howden UK Group. It is important that you do not admit liability as this could prejudice the position of both the branch and the Insurer in the event of a claim being made.
Any serious injury should be documented in accordance with IPC rules and should be notified to Howden UK Group, even if no suggestion of a claim has been made. It is important that you do not admit liability as this could prejudice the position of both the branch and the Insurer in the event of a claim being made.
Please contact Howden UK Group as follows:
For all coverage enquiries or requests for letters of indemnity, please contact:
+44 (0)207 133 1387
+44 (0)787 540 8245
To report a claim or incident, please contact:
Regina Van Der Leeuw
Address: Woodlands, Manton Lane, Bedford, MK41 7LW
Direct Dial: +44 (0)1234 408 610
For general enquiries please contact:
+44 (0)207 133 1338
FAQs for Members >