Can you claim without a vetting?

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lesleywuk

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Have any of you who have not had your horse vetted had problems later on with claiming for anything? Or have you ever been asked for a copy of a vetting certificate when you tried to claim?
 
I've just recently made a claim for my horse after he split his knee open and he wasn't vetted when i had him and the insurance have paid out no problems and it was a fair bit they had to pay out. I guess it depends on who your insured with...
 
Your insurance should have asked you for a vetting cert if they needed one for the cover. If you didn't have to supply one for the insurance policy to be put in place then they shouldn't require one to assess any claim you might have. ( I am, of course, presuming that you mean claim on your insurance!!)
 
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sorry, claim what????

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Sorry ill explain more! i was having a horse vetted but it turned out it was the vet they already used (long story) however it was about half way though so iv found out what i need to know! So i can either buy the horse without getting another vetting or get it done again in case later on down the line the insurers decide they want a vetting certificate if i tried to claim for any injurys
 
Do you mean making an insurance claim. I was asked for a copy of the vetting certificate when I took out my policy.

One insurer I recently had a quote from required a purchase receipt & the vetting certificate although I bought the horse 10 years ago!

If they didnt' ask for it at the time you took the policy out, or tell you that it would be required in the event of a claim, then you shouldn't need it.
 
That's a bit odd.

The vet shouldn't have even started the vetting. I would personally still ask for a vetting from an impartial vet. If they only got half way through then something may still crop up.
 
I would say most insurance policies need vet cert to insure eps if you want vets fee covered. Anyway a vet should be independant and working for you (buyer), not seller.
Of course it depends on value but i would always want at 2 stage vetting on any horse i bought and if more valuable it would 5 stage.
Best plan is to phone an insurance company and find out want they need so you have correct paperwork
 
they normally only want a vets certificate if your horse value is over a certain amount. Im just claiming now and theyve paid out no problem and I didnt have this horse vetted when we bought him 2 years ago
 
If they re going to cover vets fees they would need a vets certificate. If not, then the insurance company usually has a minimum value and they only need a vets cert over that value.
 
I had my horse vetted but horse misbehaved during the vetting and the vet put him down as a possible headshaker and also noted his bucking on the certificate. The vet said they had to note everything now for fear of being sued & advised me not to produce the certificate for the insurance as they may exclude me for anything related to the above.
I did just that and didn't need a certificate as long as you don't insure the horse for over £5000.
Have had no trouble with them paying out.
 
I recently sold a horse and the prospective buyer used my vet as she knew they had a good reputation, there was no problem at all, they just sent one of the vets that hadn't attended the horse before, I had nothing to hide so was quite happy.
 
you don't need a vetting to insure a horse.

we have one horse insured for £5k with no vets cert.

we have another horse who last year cost £2k in vets fees for a stomach virus and the insurance paid straight out- no vets cert.

all of mine are with NFU and we have not had to supply a vets cert for any of them
 
Millitiger I think the situation may now be different for new owners that have never insured before: in November I rang round for quotes before buying daughter's first pony (under £3K) and one insurer (can't recall which) said they wouldn't insure unless we had a 5* vetting certificate. Went with NFU as we use them for other things, they didn't require a certificate.
 
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