Coverage
What is covered?
The Pony Club Insurance Schemes actually consists of four policies within four sections of cover: Personal Accident, Public & Products Liability, Association Liability, and Voluntary Workers Personal Accident. For more information on the benefits provided please see "Pony Club Insurance Program" Important Documents.
As a valued member of the Pony Club community you are entitled to receive various discounts on the suite of Gow-Gates' Equestrian Related Insurance products. Our staff will provide you with personal service along with guidance and explanations of what insurances are available to you.
Public & Products Liability
Liability policies are amongst the most common and most important policies that anyone in the horse industry should consider. Whether your operation is a Riding School or Agistment Centre, or you provide a specialised equine service, Gow-Gates can offer insurance solutions to protect you and your business against the financial risk of being found liable for death or injury to a third party, or loss or damage of third party property.
Care, Custody and Control
Is essential cover for Agistment and Stud businesses, and anyone who is responsible for other people's horses. This cover provides protection against legal liability incurred as a result of injury or death, or financial loss, in respect of a horse in your care. It also covers the legal expenses in defending such law suits.
Farm Pack
Gow-Gates have put together a Farm Pack policy which is specific to Equestrian Properties. The policy incorporates all of the usual items available under a general Farm pack but has been tailored to include market leading cover for items particularly important to horse owners, such as arenas, stables, horse trucks and saddlery and tack. This package, arranged in conjunction with Gow-Gates' specific Equestrian Liability Policy provides you with tailored cover.
Submitting a claim
Personal Accident Claims
1. Download the appropriate claim form below
2. Complete all sections
3. Submit additional paperwork required
4. Lodge the form and supporting document to the below address
Claims Department
Gow Gates Insurance Brokers
GPO Box 4731
Sydney NSW 2001
Risk Management
Gow-Gates and Pony Club Australia have developed documentation tailored to Pony Clubs that aims to assist in providing a safe environment for all participants. We encourage you to download and use all this documentation to promote a safe environment at your club.
Equestrian Event Risk Management Guidelines
Equestrian Event Risk Management GuidelinesThis form provides a general summary of the risks involved in running an event. It is for educational purposes only and gives people a good idea of how to identify, measure and control risks.
Event Day Inspection
Event Day ChecklistThis event day inspection is a risk management tool that should be completed at the start of each day, at each venue. It is designed with amateur sports volunteers in mind, to assist with identifying risks present on the day and the steps involved to prevent injuries to participants and others at the venue, which may result in Public Liability claims. This inspection does not identify all risks, therefore you are advised to you use your own experience and initiative to identify additional risks that may be present
Incident Report Form
Incident Report FormThis form has been designed to flag to your insurers any serious injuries that occur during an organised activity. Early notification of these incidents is essential and this form is designed to assist your club in collecting the relevant incident information. This form is NOT a Pony Club Personal Accident claim form and does not initiate a claim. Please see the Personal Accident section for further information on this cover and to lodge a Personal Accident claim.
Warning Notice
Warning NoticeThis poster has been designed to highlight the presence of risk associated with the participation of Horse Riding and Equestrian activities. The poster can be used at events to remind people that they are participating at their own risk. This does not replace a waiver.
Hot Weather Guidelines
Hot Weather GuidelinesThis is the PCA Hot Weather Guidelines and must be adhered to in line with PCA rules and regulations.
What is Duty of Care?
What is Personal Accident Insurance and How does it work?
Risk Management
Certificate of Currency
Please ensure that your club affiliation with your state office is lodged and paid annually. If you require a Certificate of Currency, please contact Pony Club Australia.
Important documents
Please contact Gow-Gates for policy documents
Frequently Asked Questions
Spectators are not listed as an insured person on the programme. As such, a spectator who is injured cannot make a claim on the Personal Accident policy. Clubs are noted as Insureds on the policy. Therefore, if a spectator was injured and decided to seek damages from the club alleging the club's negligence, then the Public Liability policy would respond. Important, the Public Liability Policy states that you must not admit Liability without the Insurers consent thus any claim made by a spectator must be referred to the Insurer as soon as possible for their instructions.
Unfortunately, the Health Insurance Act 1973 does not allow a policy of this type to cover expenses for which any Medicare rebate is made.
126 Prohibition of certain medical insurance
(1) A person shall not make a contract of insurance with another person that contains a provision purporting to make the first-mentioned person liable to make a payment in the event of the incurring by the other person of a liability to pay medical expenses in respect of the rendering in Australia of a professional service for which Medicare benefit is, or but for subsection 18(4) would be, payable.
Medical expenses for which there is no benefit payable by Medicare are still claimable. These include Ambulance, Physio, Private Hospital Accommodation and Dental amongst others.
Gow Gates and Pony Club Australia recognise that the Pony Club insurance Scheme benefits are not designed to be comprehensive for all members of the equestrian community. It is strongly recommended that you consider the benefits in line with your current circumstances.
Additional Insurance is available for the Capital, Non-Medicare Medical and Loss of Income benefits.
Gow-Gates Financial Services can also provide advice on an Income Protection policy, which can provide cover for injuries that occur participating in equestrian activities and in your day-to-day life.
For further information, please contact our office.
Under the Personal Accident Injury policy, you can claim for Loss of Wages if you work part time, provided you can demonstrate consistent earnings over the 12 months prior to the injury.
Although the Council cannot be noted as a named Insured on the Policy they are automatically indemnified as Landowners under the policy. It can be arranged to note the interest of the Council as property owners on Certificates of Currency to provide cover for their vicarious liability for your use of their grounds, if they wish. Please follow the instructions of your State Branch regarding Certificates of Currency which can be found on the "Certificates of Currency" tab on this website.
Yes. Only financial members, coaches, and club voluntary workers (whilst engaged in Pony Club Australia or affiliated club organised activities), are covered under the Personal Accident policies.
No. Pony Club Australia insurance provides Public Liability cover for your non- income earning activities only. This programme does not extend to cover any income earning activities that you may be engaged in, such as agistment, breaking/training horses, leasing out floats, etc. Gow-Gates are able to arrange an additional insurance policy tailored to these individual needs, please contact the office for more information.
