Frequently asked questions
We've collected the most asked questions together and answered them all in one page. Click any of the questions below to jump to the answer.
If you can't find your question in this list, please feel free to contact us.
- Who can apply for the insurance product?
- What insurance products do you offer?
- How do I pay for the insurance policy?
- What is Insurance Premium Tax?
- What is an excess when talking about insurance?
- When does the insurance policy and cover start?
- How will I receive my insurance policy documents?
- How does the insurance renewals process work?
- What if I want to amend my insurance policy?
- What if I want to cancel my insurance policy?
- What do I do if my turnover increases whilst I’m on cover?
- What do I do if my wageroll increases whilst I’m on cover?
- How do I make a claim on my insurance?
- How do I make a complaint?
- What if I am unable to meet the policy acceptance criteria?
- What activities are not covered under the policy?
- What is member to member liability?
- How do you use my data?
The Kennel Club insurance product has been specifically designed for the Kennel Club and its clubs, societies shows and trainers (KCAI Member) and a discounted premium has been allocated to this group associated with the Kennel Club. It is also available to those not associated with the Kennel Club, however, this group will be charged our standard rates.
The Kennel Club insurance policy includes the following covers as standard: professional indemnity, directors’ and trustees’ liability, employers’ liability and personal accident. Property damage and event cancellation can also be purchased in addition to the core covers, in order to create a tailored package suitable for your needs.
Where you purchase an annual Kennel Club Insurance policy, you can opt to pay the premium in full either by Direct Debit or credit or debit card, on an annual basis. Short period covers are also available for event organisers which must be paid for in full at time of purchase, via either credit or debit card only.
Insurance Premium Tax is an additional tax on general insurance premiums. While you pay VAT on regular goods, Insurance Premium Tax is paid on insurance. The premium quotation you receive includes Insurance Premium Tax at a 12% rate.
This is the amount you have to pay towards each agreed claim. The excess for each cover section of your policy will be clearly shown on your policy schedule.
The policy will begin on the day you have requested it to start and will continue for a period of 12 months. You will be required to renew your policy at each anniversary, providing payment for the next period of insurance.
Your policy documents will be emailed to you immediately after you have completed your online purchase. If you do not receive your policy documents then you can retrieve these via the Members area
The policy will be on an annual basis which means that you will need to renew your policy each year. You will be able to do this simply by logging in to the Members area of the website and paying the premium for the new policy period. You must ensure that you tell us of any changes to your activities as described in your insurance policy as this may affect your cover.
If you want to amend your policy, you will simply need to log in to the Members area of the website in order to make the appropriate change, however you may be required to contact us for certain changes- this will be made clear to you when making your request.
If you would like to cancel your Kennel Club Insurance policy, please send a formal email to KCCustomerSupport@howdengroup.com instructing us to cancel your cover. The email should contain your name, policy number, cancellation date and the reason why you wish to cancel. In the event that you do change your mind after purchasing your policy, you have 14 days to cancel the policy and, providing that no claims have been made, receive a full refund. After that period you can cancel your policy by giving 30 days notice and you will receive a refund of the premium for the remaining portion of the period of insurance after the effective date of cancellation for which you have already paid.
If you purchase cover for a canine club or society or an organiser of a Companion Dog Show, and your turnover exceeds £100,000 or if you purchase cover for dog training or dog handler training and your turnover increases by £2,500 or exceeds £100,000 then you will need to update your policy accordingly at your policy renewal by logging in to the Members area of the website.
If you purchase Employers’ liability cover and your wage roll increases by £25,000 or exceeds £100,000 then you will need to update your policy accordingly at your policy renewal by logging in to the Members area of the website.
Claiming couldn't be easier. Please visit our dedicated 'Claims' page for more information.
If you wish to make a complaint you may do so by contacting any Howden member of staff by whatever means is convenient to you. If you cannot settle your complaint with us to your satisfaction, you may be entitled to refer it to the Financial Ombudsman Service (FOS). The FOS can be contacted by accessing the website www.financial-ombudsman.org.uk or telephoning 0800 0234567 or 0300 1239123.
If you are unable to meet any of the acceptance criteria during the application process, your details will be referred to Howden and may be passed to Hiscox for review. Howden will then contact you to confirm your policy terms and conditions.
As with any insurance policy, there are certain exclusions. For a full list of what is and what is not covered, you can review the policy wording here. However, you must advise us as part of your application if you plan to undertake any events or activities that involve the use of any playground or inflatable play equipment, or any fireworks, bonfires, sparklers, airborne lanterns, pyrotechnics or any explosive devices. The use of live ammunition and the increased perceived risk is taken into account in the policies for clubs who hold gundog activities (this does not apply to starter pistols).
Member to member liability means that the following people are also indemnified under your policy for their activities at any meeting, function, event, training session or show organised by you or in which you take part:
- Any person officially registered as a member of yours;
- Any person handling a dog for a registered member of yours;
- Any person handling any other animal approved by us in writing for a registered member of yours;
- Any person who is the owner or custodian of a dog being trained by you;
- Any person who is the owner or custodian of any other animal approved by us in writing being trained by you;
- Any person undertaking club or society activities on your behalf, including invited judges and stewards.
Member to member liability is included as standard as part of the public and products liability section unless you have specifically requested to exclude it. If you do not require this cover, the premium for your public and products liability insurance will be reduced.
Howden will use your data primarily to evaluate and process your application for insurance and administer your policy. For more information how your data is used please read the Fair Processing Notice