5 stage vetting

[mushting]

Hi Im buying a horse, I may have this wrong but this is my dilema

The horse is £1700 its thoroughbred 10 yr old 16hh

With the insurance company as the horse is valued under £3000 they dont require a vetting however if i have one done they need a copy of it. They will choose to exclude if theres anything on there bad

However if I dont get the vetting done the insurance company wont exclude anything

So am I better of not having the vetting done so that the horse is actually insured for anything that happens to him than paying for the vetting and risk there being a problem that the insurance company will exclude? Hope that all makes sence!

 

[bellacharliejane]

Heya! I had my boy vetted and I'm very glad that we did. Oscar passed with flying colours and nothing to note; we had a horse vetted before him that we very nearly bought, but the vet picked up a lameness, so we decided not to buy him.
The owners had the lameness investigated and it turned out to be a pretty serious degenerative bone condition or something. If we hadn't have had the vetting we would have bought him and had him insured without any exclusions, but later down the line we would have had a horse we couldn't ride, and although the vets bills would have been covered, we'd have been paying out livery, hay, shavings costs etc for a horse we couldn't do anything with.
I'd always say go for the vetting, but everyone has their own opinion

 

[scheherazade]

If you get a vetting, anything that is picked up will be reported to you by the vet who is doing the vetting. It is then your choice to decide whether or not to go ahead with the purchase. If there is something that is picked up which you don't like the sound of, you can either a) walk away, b) negotiate a discount or c) at least go in with your eyes wide open.

I agree with the poster above and would always go for a vetting, however bear in mind that this, like an MOT is just a declaration of what a horse is like on the day. However vets can pick up on things that you would be very unlikely to see, unless you were very very experienced.

Do make sure you use your own vet though, or look around for recommendations if the horse isn't local to you. Don't just go with the seller's vet. Good luck whatever you decide

 

[hnmisty]

My insurers asked if I had Barry vetted but didn't ask for a copy of the report. I'm with amtrust if that's of any interest to you

 

[Lofty]

Have the vetting!!!

We have bought our first two horses over the last five months. We have had three vetting's in all. The second horse we have vetted looked good to us, and our instructor, but then failed its vetting, big underlying issue and had to be put down. This was only picked up after the owner had extensive testing done. all very sad as he was lovely. We would never have picked up on this. £350 for a vetting, money very well spent.

You may get insurance due to the price, but more importantly, you may be taking on a major liability.