I was with NFU for years with my mare, never claimed but it went up over double this year, tried haggling but got me absolutely no-where Have had to change company because cannot justify spending the amount they wanted but gutted because she had loss of use in case anything ever happened (having sadly lost 2 horses previously) & now probably wouldn't pass a full vetting to get it again. On the plus side I'm now paying alot less and have much higher tack etc cover. Seems odd how one company can charge a little and another alot for same cover