Loss of Use

What isn't covered

• Death, intentional slaughter or humane destruction from a disease if the horse is subject to a government or public or local authority quarantine and or restriction order in relation to an outbreak or suspected outbreak of that disease.
• Death or humane destruction from surgical operation or adminstration of any medication unless by a veterinary surgeon.
• Willful injury or intentional acts or omissions by the insured or other persons who have care, custody or control of the horse.
• Failure by the insured or other perons who have care or control of the horse to provide proper care and attention.
• Avian influenza or mutation of:
• Terrorism.
• Death or humane destruction that takes place outside the geographical limits stated in the certificate.
• Incorrect use.
• Humane destruction on economic grounds.
• Public liability for property damage or injury arising from ownership or use of the horse.
• Any losses as a result of blemishing.

Only Applicable on 75% Full Loss of Use:

• Any losses as a result of inability to breed.
• Any losses as a result of wind.
• Any losses as a result of behavioural, ability or suitbility.

Only Applicable on 75% accidental external injury only loss of use:

• All losses involving directly or indirectly from any injury to tendons, ligaments or muscles unless specifically associated with an injury that has also resulted in an open wound to the affected tendon, ligament or muscle.