Extent of your coverage.
- This insurance provides cover for damage caused by theft or damage that hinders the use of your saddle.
The cover is in effect during use, storage and transport as well as during the stay at inspections and other equestrian events, with the exception of circumstances as referred to in Article 4 of the terms and conditions of the Saddle Insurance.
- The extent of the compensation depends on the nature and extent of the damage. You can read how this is determined in the terms and conditions of the Saddle Insurance. The deductible is €100 on any damage. This does not apply in case of total loss. An annual depreciation percentage is applied to the new value of your saddle.
|Old age new saddle||Depreciation||Not new saddle: insurance years||Depreciation|
|0 - 2 years||0%||1 - 2 years||10%|
|2 - 3 years||10%||2 - 3 years||20%|
|3 - 4 years||20%||3 - 4 years||30%|
|4 - 5 years||30%||4 - 5 years||40%|
|5 - 6 years||40%||5 or more||50%|
|6 years or older||50%|
The premium is 2.5% of the insured value of your saddle per year. The minimum premium for this insurance is € 40 per year.
If, in addition to your saddle, you also insure or have insured your horse, this minimum does not apply.
Applications for this insurance policy require:
- a fully completed and signed application form
- the purchase invoice / a valuation report of your saddle