Eeeeek! Insurance Renewal quote just came through!

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Patches

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To continue to insure Patches, Tweenie and Oliver for the next 12 months with the NFU, I'm looking at the bargain price of £1078.96!!
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Gulp, but seems quite reasonable when they charge me about £400 for one cob (and bet that will have gone up again when I come to renew)!!!!
 
Well, that's about 360 per horse per year, however, I have 3 insured for less than that-
I have BHS Gold mebership which saves £55 per horse public liability cover.
Chekc if you are alos paying Personal Accident on each ofthem, or if you are covered by your own perosanl insurances.
On the ones who would be retired with me if unable to work, I have dropped the Loss of use cover, as would not go out and buy a ready made replcement for the insured value.
 
Yup, it's about £350 each. Didn't sound so bad when I only had two, but three.....YIKES!

My excess is up to £200 on all three ponies because I've made a vet fees claim for Patches. That bit seems a tad unfair, especially when they exclude what you've claimed for. Surely it makes my chances of claiming for anything new just the same as anyone else, doesn't it?
 
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That is exactly why I'm not renewing this year. I'm just putting the money into an account. I'd rather get interest on that than give it away. And TBTH, even though it sounds harsh, I would have to think VERY carefully if any treatment was going to cost more than £1,500 on my lot.
 
I don't have loss of use on mine, couldn't afford it.

They're insured for all the usuals, including vet fees and Hannah and I have personal liability. NFU say they can't remove that from the policy, even though Hannah has it with the PC.
 
[ QUOTE ]
NFU say they can't remove that from the policy, even though Hannah has it with the PC.

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They can- but its you, as the owner, who need BHS cover, POny CLub cover will not be enough for you handling etc, and all circunmsytances- needs to be the lelag adult owner.

I altered mine via our local NFU office - cut down a lot.
My excess and premiums havenot altered with having claims, some into four figures.

THe cost of 5K vets free and total loss increase if horse is 15-20 years old though - £100 a year more for my 17 yr old c/w 13 yr old.
I went through every item of cover and asked them for a costed breakdown last November, then went back to them with a policy recuduced by about £200 over the 3 horses.
 
I insure through NFU and find that although more expensive than some others, they have paid up promptly without any queries whatsoever on 2 veterinary issues.

Both incidents required a number of vet visits, antibiotics, dressings and stitches. NFUs attitude was one of sympathy, not blame and following my vets endorsement on the initial paperwork, paid each vets bill as I sent it without any issues. I would definately recommend them to anyone who has vets fees in their cover.
 
Agree
They have been very good on claims, one vet school referral bill they paid direct to my vet before I even got my end of month statement.
 
I know PC cover won't cover me for handling, riding etc because obviously I am not a member of the PC. I'm effectively paying for Hannah to have cover twice though. One on the horse insurance, the other through PC.

I think I might see if they can break it all down.

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because i dont own a horse i pay £30 for rider insurance which covers me on whatever horse i ride and also covers some of the costs of the horse (a small amount!)

although all the horses i ride (wel almost all) their insurance covers whoever rides the horse, i took out rider insurance as i ride too many different horses lol and because i loan
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Tell them you have phoned around a few other reputable companies which are their direct competitors in terms of quality. Even if you intend to stay with NFU still do this as you will get an idea of price. As long as you don't tell an outrageous lie(!) they should compromise and bring the quote down a little if you threaten to move.

I am now with NFU and pleased so far but be careful of cover for new horses. When I bought my horse, because he was over £10,000 he was not covered for vets fees for illness in the first 30 days, even though he had a 5 stage vetting. Accidents were covered - so a kick was fine - but not an illness. So if he got colic on day 29 I would have had to pay myself for any colic surgery which I feel is outrageous and renders the premium pretty pointless! So I went with someone else a lot more expensive but was fully covered and put my mind at rest. On renewal NFU was £200 cheaper so I went with them, but because he had existing insurance they were able to waive the 30 day exclusion. Oddly enough they used comments from the 5 stage vetting (as technically it was less than a year old) for exclusions but did not include a recent vet report (as not a vetting as such just an precautionary exam) which had comments/possibilities a LOT more serious than the 5 stage vetting ever showed up. Very good of them on that point I thought! I expected the worst and for every leg to be excluded! They just excluded very small windgalls which had gone in the space of the year since the 5 stage vetting anyway. So top marks for that attitude.
 
Pet Plan do a High Excess veterinary cover only which gives you £3500 of vets fees cover with an excess of £500. I pay about £100 per year to insure my youngster this way.

Granted £500 is a lot to pay if she damages herself but I don't want her to not have the treatment she needs but for the lack of money.
 
I've been with Equestrian Direct for years now, through one horse pts when they made a very generous ex gratia payment, and one horse that developed a ghastly eye problem THREE weeks after I bought him and the insurance was taken out. They are professional, helpful, fast, reasonably priced. Shop around I'd say. Insurance is a cut throat business and you will probably find a better deal out there somewhere. Happy hunting.
 
I was 178 last year through Carridge House insurance. But I am bot sure if I will renew as I have BHS Gold membership, and we have never had the vet out.
I love him to bits, but if he needed treatment for something that would mean he was a pet, and/or would come to more of his value in 6 months then I would not and cannot see the point. Maybe if he was 5, but he will be 12 next year.
 
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