Any horse insurance recommendations for a ottb?

[Meadow21]

Hi I’m looking to insure my new horse. An Ottb who has passed a 5* vet, only ran once as too slow. I’ve always insured through pet plan with horses previously but my quote came to be £1600 for the year? She is only for low level dressage and hacking? What alternative insurances do people recommend as this seems a ridiculous price?

 

[Skips11]

Yep, my quoted premium was so high that after 2 years it wouldn't have been far off what the horse was worth!

I opted for a 0% credit card! Virgin do a 0% for 19 months

 

[EmmaC78]

I don't insure either. I just have BHS gold membership and a savings account for vets bills. When I did insure I used scottish equestrian who were reasonably priced.

 

[poiuytrewq]

I know they used to have a bad rep but I’ve had my last 3 insured with insurance emporium, used to be E&L
Can’t really fault them.. and I’ve claimed a lot for all 3

 

[criso]

When i was comparing recently, i found KBIS online calculator quite useful. I could add and remove different parts and change the value to see how it affected the premium. Also try opting for a higher excess.

Are you going for loss of use for a high value horse, that would push the premiums right up. I went for accident only on the end with Shearwater as i have so many exclusions but i could have got a basic policy for all vets fees on £2k value for just over £500.

Eta mine is also an ex racer

 

[Slightlyconfused]

Scottish equestrian were brilliant for my sisters ex racer

 

[AandK]

I used Carriage House for the first year, paid a to the limit claim (field injury to hock ligament) with no issues but then put on so many exclusions it was not worth continuing with them and he's now insured with Peliwica via Brookhurst Risk, this is the second year I have had the horse with them. They had the full history for the horse and only put 2 exclusions on relating to his prior issues, and also had to claim with them last year (again full limit due to keratoma in foot), they were slow but did pay in the end. Price has been reasonable for both.

 

[Flowerofthefen]

Another vote for insurance emporium. They have always been great.

 

[BronsonNutter]

My first ex-racer was with petplan, no complaints. Stopped insuring him in the end as had so many things wrong (which they’d paid for!).
Second ex-racer is with insurance emporium and so far I can’t fault them. She’s had four reasonably large claims within a year… each one paid without question. Will see what the exclusions are!