E and L INSURANCE????????????

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actionbarbie

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Hi guys
Just wondering if anyone has had any experience (good or bad) with this company.

Tempted to insure with them but thinking that their premiums must be so cheap for a reason!
 
Yes - lots of problems with vets fees and then loss of use (I never recieved the money due to a dispute over their valuation - insultingly and unrealistically low). Trying to speak to someone, trying to get any sense they also love the hold button.

In one well known practice in Hampshire there is a note about them in the waiting room.
 
Oi!!! Stop copying me
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I know - I've only been there twice - about 4 years apart but on both occasion the note has been there! So they are obviously still causing problems.

There is a memeber called LadyT who works in horse insurance I think.
 
When our vets send out a bill, on the back is a notice saying that anyone insured with E&L has to pay the vet bill now themselves & then claim the money back from the insurance co. I.e. the vets will NOT wait to be paid directly from E&L.

Cat (in avatar) ran up a £4,500 bill after an incident with a barbed wire fence, £6k from treatment for a bowel disease & £6.5k (sum insured) when he died. (Insured with PetPlan who paid the vets/me directly.) I would think very carefully whether cheaper premiums are worth potentially having to pay 4 fig vets' bills yourself & then be out of pocket while you argue with the insurer.
 
Used to work at an equine vets and the average claim time with them was nearly a year. It was so frustrating for both vets and owners, so DONT DO IT!!!!!!
 
Horse on our yard managed to loosen a hydraulic hose from a trailer that was in field with water butt on it, he got leg through it and it tightened and he was stuck, once we got him out he had a bit of a dead leg so the vet was called. He was absolutely fine didn't really need the vet IMO but anyway... owner tried to claim and they wouldn't pay out as they said that it was the resposibility of the owner to ensure that the field was safe!!
I thought that was a bit pants really as I have never had a problem with NFU even asking how a horse was injured!! Also the trailer was there and positioned safely to supply water to the horses, its just he managed to chew the hose and get it out onto the ground!!

NFU every time for me!!
 
Don't do it.................
Was insured with them years and years ago and they never paid out on any claims, always found a way round them.........that was good 20 years ago.....amazing how they have never changed, yet people still insure with them....
 
Friend has her horse insured with them and they've always paid up, but they whack the premiums up every year by stupid amounts (and she keeps on insuring with them because they're STILL cheaper than everyone else...) and exclude nearly everything!

I use Equestrian Direct and they were great (well it was the underwriters who paid up when I claimed, who are now Amtrust Equine, but paid up nonetheless). Had a bit of an argument initially because they said it was an existing condition, but once my vet shouted at them they paid up. Paid every invoice from the vet directly, within 24 hours of me sending them over. Have both horses and the trailer insured with ED.
 
I wouldn't give them the steam off my p**s.
Just quick word of caution- I believe they now operate under another name as well though- something quite bland like 'Horse Insurance' or similar- maybe someone else can remember. I have been very pleased with NFU and Petplan. Both have dealt with large claims all sorts of dramas over the years for me quickly and efficiently.
 
Try AIMS - just as cheap but they do pay up and dont put on silly exclusions and you can talk to a nice horsey person who understands what you are talking about
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No i dont work for them
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Am I the only one that has received money from e and l.They are slow and sometimes you have to argue but they have paid every one of my many claims one of which was over £3000 for spavin surgery.Im in the same position now buying another horse and because I have had claims on my horse companies avoid insuring they only want people that dont ever claim and are low risk.
 
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.Im in the same position now buying another horse and because I have had claims on my horse companies avoid insuring they only want people that dont ever claim and are low risk.

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I haven't found that at all. I had to claim from ED last January when my Welshy had a breathing op, and they were happy to re-insure him with only a minor exclusion this year (and it wasn't anymore expensive!). They've just insured my new horse with no quibbles at all.
 
I didn't have any probs insuring Adrian with PetPlan (apart from them losing 3 dd mandates & p'ing about for so long that I had to get a mortality cert on top of my 5 stage) despite them paying out £16k on Cat.
 
Hope the reference to me doesn't make anyone think i work for this company btw (I most certainly don't) we do have some of their ex-employees now workingfor us though so I have a good understanding of how they work!

You are always better asking people you know and trust (inc your vet) for recommendations re insurance to be honest. Plus ALWAYS check the smallprint in any policywording - if you're not sure about anything then ask!

Get quotes form several companies too - most will be around about the same although certain companies prefer particular customers/type of risk rather than others so policies are rated accordingly (similar to car insurance really). If one's a lot cheaper though you want to be asking yourself why.

As someone said earlier, with horse insurance you DO get what you pay for!
 
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