Best and worse insurance companies, which one to use.

I was with E&L for 2 years for my loan horse, when i decided to buy her I needed to change my policy and when I checked the small print they didnt pay vets bills for over 15's which by that point she was and they had never told me it would be changing or advised to change policy, OK I should have noticed but I also think they should have made sure I was aware.
I am now with horse-insurance.co.uk, anybody any reviews for them?
 
Incredibly emotive and subjective issue, those who've had a claim paid will generally say their insurer is great, those who've not will say the opposite, even though the reason for the claim being turned down was in the policy!

Need to decide what it is you want/need covered and then speak to a number of companies to see which one best meets your needs, remembering that you may not get a perfect match.
 
bexcy-bee said:
Another vote for petplan!!

Brought horse with a tumour on his eye, did 5 stage vetting and as it was in whites of his eye, didn't appear! They paid for everything! And this was literally a month after taking out the cover.

When I got my youngster, he went with Petplan, as an unbroken, ferral 3yr old. Now, at 4 yrs, I wanted to insure him for over £3k, and was told i needed a 5 stage vetting, personally i think thats a stupid rule, considering the circumstances, and changed to NFU, who I can't comment on as had no claims with, but very friendly people so far!!

I would also steer clear of E & L, as well as horse insurance online (are they even still running) My mate had a horse insured with them, to be told when it broke its leg they didnt send a final letter in, so was not covered!!

bexcy-bee x
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Most insurance companies demand a 5 stage vetting if you want to increase or start your insurance over £3k. They like justification of any increase in insurance value for example if the horse has become very successful competitively. The 5 stage vetting is to cover themselves once the horse's value exceeds a certain level - understandable really. This is why it's a mistake to under insure a horse's value (ie less than you paid for it) without thinking it through as it is harder to increase it later.
 
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I am with Amtrust and while I have never had to claim yet (touches wood!), the staff are incredibly friendly and helpful with any queries. They are much cheaper than Petplan, who I think charge way too much, yet they still offer 5k vets fees, which is what I wanted. Can't fault them so far!
 
VoR said:
Incredibly emotive and subjective issue, those who've had a claim paid will generally say their insurer is great, those who've not will say the opposite, even though the reason for the claim being turned down was in the policy!

Need to decide what it is you want/need covered and then speak to a number of companies to see which one best meets your needs, remembering that you may not get a perfect match.
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Agree with this! Its the same with everything really. Like my friend told everyone not to use a particular energy company and to be fair to her, that had caused her heap loads of trouble and the customer service was shocking - however, we were with the same company and never had any problems and they were always really lovely!

I work in equine insurance and we're not allowed to try and get out of paying. We have to assess the claims in line with the terms and conditions of the policy - therefore, take out whatever isn't covered by the contract you have signed. People used to get really annoyed but at the end of the day, they agreed to the terms and conditions so... As per my earlier post, make sure you are happy with what you are signing up to and you can't go wrong! Insurance companies have to be fair to everyone. They can't decide to pay claims because they feel sorry for the horse/owner etc. If they did, there would be no money left to pay any claims!
 
In the past I've been with BEIB (think now KBIS??), SEIB but now with Shearwater & they've been good.
Wouldn't use E&L personally & checked out a lot of "online" ones before decided on mine as some of them are E&L under a different link.
But as someone else said you do have to read details & follow the "rules" as for any insurance really.
 
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