Do you have to have a 5 stage vetting for insurance purposes?

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sclarke1107

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I've just bought my new horse but didnt have him vetted as he had a 5 stage about 6 months ago and i know and trust the history of the last 6 months he's been with the owner.
Now trying to sort insurance out but they're asking if he's been vetted and if the certificate is less than 30 days old, is the 5 stage valid anymore?
They're giving expensive quotes without him having the vetting certificate, is it worth now having him 5 stage vetted just to sort the insurance out?
IN a bit of a pickle so any help would be really appreciated!
Thanks
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As far as I know all insurance companies require a recent vetting certificate and you may need one, for example, if you change insurers. Some will accept a two stage vetting for horses under a certain value, but it might be a case of ringing around.
 
I'd just tell that them exactly that, no you didn't have him vetted because you've known him for the six months since his last owners had him done. If you can get them a copy of that vetting certificate then they may suddenly go quiet about needing it done. It will cost you a couple of hundred to get another one done. Their concern may be due to his price, I think a rule of thumb is they're not that frantic for a vetting under £5K.

Also, if company are being this awkward before accepting the risk consider what they might be like if there's a problem and think about a change of company!
 
I found I couldn't insure my last horse for his true value because I'd only had him 2 stage vetted, Petplan needed a 5 stage cert to insure past 5k. Depends how much you want to insure him for and whether you'll get slapped with exclusions if you don't have a cert. Maybe shop around to see who'll give you the best deal without the cert??
 
The answer to your insurers question is that no, you didn't have him vetted.

And my insurance company did not require a certificate to insure my new horse - although obviously I had one.
 
Thanks, i suppose it's either going to be paying £150 or so for a vetting or paying more each month for insurance if we can't get the quotes down.
Anyone got any recommendations for a good company to use?
We were previously with SEIB, awaiting a quote from them so will see what they say.
 
It is a risky business not having a vetting. Anything could have changed in 6 months for example a horse could have developed a heart murmur. If anything goes wrong the insurers will say it is a pre-exisitng condition. It is false economy not to have the vetting.
 
[ QUOTE ]
It is a risky business not having a vetting. Anything could have changed in 6 months for example a horse could have developed a heart murmur. If anything goes wrong the insurers will say it is a pre-exisitng condition. It is false economy not to have the vetting.

[/ QUOTE ]

Can't really add anything to this.
 
How much are you insuring him for? (if you don't mind my asking).

I didn't have my last two vetted and I have them insured, but just for vets fees, not for LOU.
If under £5k then you should be able to insure without a certificate.
 
Most insurance companies require a 5stage if the value of the horse is over £5K.

You might find that they will accept the previous vetting certificate if you provide a print out of the veterinary history since vetting was carried out. Vet should be able to provide you with this but might ask for an admin charge.
 
I always have mine vetted but have sold horses that haven't been vetted and NFU have accepted their insurance - although only low value first ponies.
 
Depends what they are wanting the vet cert for, is it due to the value of your horse or the cover you're wanting or a combination of both?

Not all insurance companies request a vetting to be 30 days old, some will be 6 mths and others up to a year old so your vet cert would be fine in those cases. Maybe it's worth asking around and trying another insurance company?
 
NFU don't require a vetting for up to and including £5k, a penny over and they do.

Vetting would not have picked up either of my mare's issues.

NFU have now asked for a full vet history since purchase due to the problem arising so soon after the start of the policy. We have LOU and I may well be claiming it
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Poor NFU - will have to put the other two neds with them to make up for it!
 
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