The Panel discussed underwriting and claims issues arising from cervical spine conditions in sport horses, noting that these can present challenges for pre-purchase examinations, underwriting decisions and claims management. Members highlighted the benefits of developing a more consistent approach across the market. 

Work continued on plans to create educational material for equine veterinary professionals explaining the operation of mortality insurance products. The Panel noted that these resources would serve as a learning aid for the veterinary community. 

Members reviewed future industry lectures and discussed potential themes and speakers for forthcoming educational events. Interest remained focused on topics affecting equine health and mortality risks. 

The Wordings Sub-Group reported progress on a programme of work to modernise and harmonise livestock and bloodstock wordings. Members agreed proposed changes aimed at improving consistency between consumer policy forms used in different jurisdictions. 

The Panel also reviewed progress on a wording and endorsement mapping tool intended to help identify the correct and most up-to-date forms for use in different territories. Members considered that this would benefit both underwriters and brokers. 

Further discussions covered development of a model wording for stallion permanent disability cover associated with artificial insemination risks, drafting of Insurance Product Information Documents (IPIDs) for European consumer business, and progress on amendments to existing exclusion clauses.