E&L insurance

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happy2bunny

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How are they doing these days have they started paying out yet, the reason im asking my premium has gone up quiet a lot, and maybe thinking of a change, im currently with nfu.
 
You get what you pay for.......... ask yourself how is it that they can still afford to be so much cheaper than All of the other more reputable companies ?
 
I personally have not had a problem with them. They paid out when I claimed off them for my dog. Changed my then horse to another insurer and got refused! Now back with E&L for the ginger one.
 
Check with your vet. Many vets require you to pay them and then claim back from E&L, whereas with other insurance companies they submit the claim themselves and are paid direct. The difference means that you might need to find a lot of money to pay the vet while you wait for E&L to pay out.

If you do change, please remember that you need to start the new policy two weeks before the old one runs out, or you will only have cover for accidents. A friend of mine was caught with a huge colic bill, and lost the horse, in the first two weeks of a new policy.
 
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I've always been with E&L, and they've always been v good to deal with. Had 2 big claims, one resulting in the loss of the horse and they've paid up no with no quibble.

I know people like to complain about E&L but honestly, if you have a solid claim and you've read the small print/followed the correct procedures, they can't NOT pay up.
 
Another who has had no trouble. Although not insured for vet bills. I had to have my horse pts due to broken leg and they paid full amount. New horse now insured with them too. My sister also lost her boy who was insured with pet plan and they both took same amount of time to pay out
 
As cptrayes says, virtually no vet will accept a direct claim from them, so you could have to find hundreds to thousands of pounds very quickly. My heart sinks when a client says they are insured with E&L - sometimes it is fine, but more often than not both myself and the horse owner are going to be spending the foreseeable future arguing with the company about the claim. As a rule, smaller claims they are better at paying, if you so much as mention colic or gastric ulcers they will start looking for reasons not to pay. I have had clients who's passports have been requested, not to check vaccination history but so the insurance company can ring every vet that has ever seen the horse and get the history, even before the current owner.
 
After a lot of discussion they paid out for the loss of my first horse.

NFU were equally time consuming for the LOU pay out for Dizzy, even though their expert had agreed many weeks beforehand.

Both experiences were very upsetting.
 
There will always be good & bad reviews for any company but E&L appear to have more bad reviews than good ones. Below is a link to 'The Review Centre' where you can read the reviews for E&L:

http://www.reviewcentre.com/reviews57547.html

If you go back over the years E&L Insurance has probably had more bad posts against them that any other company, wether it be an insurance company or another retail outlet. :(
 
Check all the small print - for instance field injuries will only be covered if field is post & rail or electric fencing. Any barbed wire round wire or sheep fencing is excluded.
 
I've been with them for a few years now. My previous horse was a health disaster area. E&L were excellent and paid out promptly. Had to make a claim last year on my youngster and they paid out promptly with that as well. So all my experiences with them have been OK.

I left NFU years ago ... only because they were not competitive on their prices
 
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