Yes, if the damage was caused during non-income earning Equestrian Activities, your policy will likely cover the cost to repair associated damages to the vehicle.
Public Liability can help provide financial protection should your equestrian activities seriously injure a third party or cause damage to third party property. It is important to note that the excess on a claim under this policy is $2,500. The excess is set at $2,500 to protect the program from a high number of claims in order to keep premiums affordable for members.
Program Coverage
Marsh was appointed the Insurance and Risk Advisor for Equestrian Australia in May 2021. EA state branch members are automatically covered under the EA National Insurance Program.
Public Liability Insurance
Protects a member if a third party claims they have suffered personal injury or property due to the alleged negligence of the member.
Personal Accident Insurance
This insurance is designed to offer some peace of mind to members by helping cover costs related to a personal injury sustained whilst engaged in non-income earning equestrian activities.
National Insurance Program
What's Covered
- Public & Product Liability
- Personal Injury
For full detailed policy benefits and exclusions, please refer to the policy wording below.
Who's Covered?
EA State Branch Members
Insurer
QBE UK via Bowring Marsh
Limit of Liability
- $20,000,000
Excess
- $2,500 each and every claim for Property Damage
Who's Covered?
EA State Branch Members
Insurer
Accident & Health International
Non-Medicare Medical Benefits
- $3,500 maximum per claim
- 100% Reimbursement (subject to the maximum claim amount above)
- $100 Excess
Loss of Income
- 85% Net Income up to $500 per week
- 14 Day Deferral Period
- 104 Week Benefit Period
Death and Capital Benefits
- $100,000 maximum
- $25,000 maximum (aged under 19)
Additional
- $1,000 Out of Pocket Expenses
- $3,000 Emergency Transport Benefit
Frequently Asked Questions
The Public Liability policy does provide limited cover to property owners, in circumstances where their involvement is required for legal action brought against you, due to agisting activities conducted on their property.
A property owner is NOT covered under your public liability policy for claims where they are found liable for injuries or damage to a third party or their property.
The Personal Injury Policy provides 24/7 injury protection for any of your non-income earning Equestrian Activities. This may include riding at home, competing, feeding or grooming your horse – as long as you are not being paid to do so.
The benefits listed above are for all EA State Branch Members. If you are not a current EA member, you can register online through your State Branch. Please contact your State Branch directly for any questions on this process.
Forms and Documents
For a copy of the EA program policy documents please contact us.
Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) arranges the insurance and is not the insurer. When arranging insurance for you, Marsh will disclose to you the insurer and the basis upon which it acts. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh Advantage Insurance (MAI) on request. MAI makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage.
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