Howden, the 5th largest employee-owned business in the UK and one of the largest insurance groups in the world, has launched Howden Equine in Australia.
Previously known as HQ Insurance, Howden Equine has launched in Australia and New Zealand, merging the exceptional teams from HQ Insurance and Silks Insurance. With access to four of the world’s top bloodstock underwriters, Howden’s specialists are passionate about horses and sport horses, providing expert guidance and comprehensive protection.
Why choose Howden Equine?
The equine industry thrives on trust, relationships, and service, much like insurance. Howden Equine takes pride in its reputation, client base, and commitment to delivering unmatched service. Their sportshorse team, being horse owners and riders themselves, understands the significance of horses to their clients. The team’s deep connection to the equine world allows them to provide unparalleled insight into the needs of the industry.
Howden Equine’s priority is protecting the health, wellbeing, and performance of horses. They offer a dedicated claims management team supported by an Accredited Veterinarian Surgeon, Dr. Andrew Dart, who is available for emergency consultations, free of charge, to give clients peace of mind. Additionally, they offer a premium funding option through Hunter Premium Funding, allowing clients to pay their premium in nine monthly installments instead of one upfront payment.
Client Account Management
Maggie Johnston, formerly HQ Insurance, continues to manage client accounts at Howden Equine. Born in the saddle, Maggie grew up with horses all her life on the farm mustering stock to competing in a wide range of sportshorse disciplines including eventing, showjumping, showing, barrel racing and mounted games.
She has a strong understanding of the sportshorse industry, and the people involved in it. After completing a Diploma in Equine Business Management at Marcus Oldham in 2018, Maggie moved to Canada to Work for Hansma Cutting Horses, one of North America’s leading cutting horse trainers. Maggie goes above and beyond for her clients and ensures all processing, correspondence and reporting is done as quickly as possible to the highest standard.
What Howden Equine offers
Howden Equine base cover includes:
- Mortality
- Theft
- Transit within and between Australia and New Zealand
- Renewal Extension available up to 14 years of age. This extension is available for any horse under the age of 14 to renew their policy without the need of a declaration of health or vet certificate each year.
- Agreed value
Our additional options:
Life Saving Surgery:
Howden Equine offers two Life Saving Surgery Cover amounts up to and including $10,000 at an additional cost of $150 to the premium and $15,000 at an additional $300 to the premium. Each claim requires an excess of $500.
This cover is available for any surgery deemed life-saving by a certified veterinarian to save the horse’s life under sedation or general anesthetic. Common Life Saving Surgeries include colic, respiratory failure, degenerative Joint disease etc.
Loss of Use:
Howden Equine offers two options for Loss of Use cover including:
Restricted Loss of Use. This option will provide cover for any external accidental injury which results in the horse becoming incapable of fulfilling the functions and duties required for its principal use. This cover is subject to a current veterinary certificate with 2-stage vetting examination.
Comprehensive (or full) Loss of Use. This option will provide cover for a horse sustaining an accidental internal injury or contracting an illness which results in the horse becoming totally and permanently incapable of competing to any level. This cover is subject to a current veterinary certificate, 5-stage vetting examination and X-Rays on all 4 limbs.
We will pay out 60% of the sum insured of the horse for any Loss of Use claim.
Stallion Permanent Disability:
Howden offer’s the cheapest stallion disability additional cover option on the market. This extension covers total and permanent disability as a result of an accident, sickness or disease whereby the stallion becomes totally and permanently infertile or incapable of serving mares.
Prospective Foal Cover:
This cover extension indemnifies the insured against a loss arising from the mare losing the foal during pregnancy or during birth and continues to cover the foal until the expiry date chosen. This cover is incepted from a 45-day scan confirmation and is applicable to live coverings, AI and embryo transfers.
If you would like to speak to Maggie about the possible cover options for you, you can call her on 0499 937 902 or email maggie.johnston@howdengroup.com.
