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IS YOUR HORSE COVERED FOR CIVIL UNREST?

A must for all South African equestrians

South Africa's equine insurance provider, Hollard Equipage, is encouraging equestrians to ensure that they have dotted their i's and crossed their t's when it comes to insuring their horses.

This is considering the recent incidents of unrest that occurred on London Lane in Knoppieslaagte, where many horses are stabled. Our advice to horse owners is to always prepare for the unforeseen and or unimaginable by ensuring that their horses are covered in the event of death due to protest action while in transit or at the yard. "Customers need to ensure that they add the voluntary Sasria cover to their Mortality Policies as well as to their Tack and Horsebox/Truck Policies," says Nicole Giraud White, Head of Hollard Equipage.

"This kind of cover is not a nice-to-have; it's imperative," she adds.

Insurance plans do not provide cover for loss or damage to property, nor do they cover for death, bodily injury or liability directly or indirectly related to or caused by war, terrorism, protest actions, riots, public disorder or any attempted act of this kind. This job is in the hands of the South African Special Risk Insurance Association (Sasria), the sole insurer offering coverage for damage resulting from strikes and civil commotion in the country. It has been covering this type of loss in South Africa for the past 40 years.

Hollard Equipage, like other insurance companies, works with Sasria to offer cover for damage or loss resulting from strikes and other forms of civil unrest. In such a case, Hollard Equipage function as a middleman that helps customers claim from Sasria, making the process easier for the customer.

"However," says White, "it is important to note that shortterm insurance policies do not come standard with Sasria insurance coverage, nor is it mandated by law to have the coverage. Customers need to opt to add the Sasria cover to their policies so that they are not left vulnerable in the face of civil unrest."

"It's essential to protect your possessions from this type of risk."

"Horses insured with Hollard Equipage and equipped with the voluntary Sasria option are covered for the sum insured on their Mortality Policy while in their yard and while travelling in horseboxes or trucks," says White.

In addition, should the unimaginable happen to your horse/s, Hollard Equipage will submit a claim to Sasria on your behalf.

"We urge all horse owners to check their policies and make sure that this Sasria premium, which can be as low as R30 per annum, is reflected on their policy schedule. Act now and avoid being caught unawares," she concludes.

Nicole Giraud-White

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