Death of horse insurance claim

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nedzy

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Hi,

I sadly lost my horse recently from an accident in the field. I have chased up the insurance today and they have told me that there is a six week back log of claims, and that due to the value he was insured for(purchase price) that a valuer would need to review the claim. Is this normal? I am stressed enough as it is without them quibbling over the claim
 
wow thats a long time- i kept on hasseling them as i lost my superstar at the end of june. it took about 5 wks from the day the form left me to the day the cheque came. i think its normal if you have your horse insured for alot.
I am very sorry to hear you lost your nag and can tell you that itme is a great healer as cliched as it sounds!!! the nfu were v good with my boy and also they settled the removal costs very quickly.

big hugs xxx
 
I have never had a problem claiming with NFU, including a death claim but my horse wasnt insured for a lot. Im presuming your horse was quite expensive so maybe its just routine to have a valuer if the horse was worth over ?????
I would dig out your reciept for your horse and any other documentation, ie breeding, comp details etc just incase you need to prove his value. I may be being over cautious here, Im sure the vet would back up your value if need be.
 
I lost a horse that was insured with NFU. Insurance companies pay out either the sum insured OR the market value of the horse whichever is less. They phoned me to talk about my horse and told me that this is standard practice to assess the horse's true value.
Edited to say. mine was PTS on 7th November and I received the death claim settlement cheque arrived on Christmas Eve. They paid out the vet's fees claim within a week of the submission of the claim form.
 
Very sorry to hear about your loss. Over the last few years I have had four horses PTS (on vet advice) who were insured with NFU. The two home bred that were not insured for much were paid out very quickly. The other two who were insured for their purchase price (one I had had for 13 years and the other for seven years) took much longer as I had to speak to the assessor. Despite having taken my premiums for many years based on a certain value both were questioned. One was accepted and the other they decided had a market value of 50% of his insurance which after discussion they increased to 75%. What I would say is that I think they try and give you a little time to come to terms with the loss of your horse before getting the assessor to speak to you.

I had another horse who was found dead in the field. She was insured with Amlin and they refused to pay out anything because the post mortem (she had a massive tumour in her abdomen) was not done by a qualified vet.

Keep faith with NFU.
 
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