Equine Insurance

W

Warmblood39

Well-Known Member
Joined
28 December 2010
Messages
242
Location
South East
Visit site
Hi All

Wondering if you can all give your opinions of bad and good experiences with insurance companies.

I'm currently with petplan however after my tack was stolen they turned around to me and said I'm not insured as I don't have the correct locks.. In the policy booklet it states deadlock or equivalent lock (which I have) so am looking to move ASAP!

Any experiences would be great guys!

Thank You!
 
Many years ago I was insured with E&L. Yard got broken into & tack got nicked, took them 8 months to pay out. Then little pony got a tumour in her eye & needed tons of treatment. They wouldn't pay out anything because 3yrs before she had had a scratch on the same eye which I hadn't told them about - had cost me £25 so didn't think I had to tell them. Vets wrote to them to tell them it was completely unrelated but they weren't interested so I swiftly told them where to shove their insurance & cancelled it. Pony had been booked in to remove her eye but after being told it was going to cost over £1000 & it was only for cosmetic reasons, we decided to cancel op & leave the eye in. She went on to do another year of SJ & PC with a sunken, blind eye before she passed away from chest problems but I never touched E&L again xx
 
I can second the E&L stories. Have never been insured with them but have had experiences in other ways and can safely say they take forever to pay out or find every little excuse in the book not to (not that they all dont, but these seem to be worse than most) Have been with NFU for 2 previous horses and for straightforward problems (my mare had colic- never had before) they paid out within 2 weeks with no questions, however when my last one had a longer term problem it took almost 7 months to pay out. I know they had a huge backlog at the time but 7 months is still a bit long to be waiting. Currently have my 2 girls with Scottish Equestrian and so far *touches wood* they have been good. Paid out for my youngest's 2 injuries pretty quickly and for the older one's kick within a week or so. Waiting to hear back from them about current claim (accident prone TB's!!) but hasn't been long yet so not too concerned.
 
I would consider pet plan to be the best. If you are certain you do have the correct locks, get a locksmith to write a report stating that you do have the locks as required in your policy. If they still won't pay then take a complaint to the financial ombudsman.
 
cm2581 said:
I would consider pet plan to be the best. If you are certain you do have the correct locks, get a locksmith to write a report stating that you do have the locks as required in your policy. If they still won't pay then take a complaint to the financial ombudsman.
Click to expand...

Yeah they are insured approved locks ................... however they say they have to be deadlocks which these are not deadlocks.
 
Just changed after NFU premiums went through the roof and although they always paid out had very poor service and very slow laterally.

Now with Amtrust and can't recommend them highly enough. Typically had a claim a week after joining them and paid up 3 days after receiving papers also actually sypathetic on phone and helpful as well as efficient. Highly recommended.
 
Can you guys add any insurance "gotchas" to my list in NL? think it would be really helpful when checking your policy to ensure you actually have the cover you think you do!
 
I cant rate KBIS highly enough. They have been fantastic. I have made two claims with them in the last year and have paid our without a quible, and only excluded v realistically, then recently had to put my poor boy down and they have been really helpful and paid out quickly and efficiently, was so nice not to have a battle!
 
I was with NFU. They paid out when my mare had to be PTS but then doubled my premiums which wernt that cheap in the first place. So i've now changed to CarriageHouse. I havent had to claim anything from them so cant comment on how good they are but their costs are much more reasonable.
 
You must log in or register to reply here.
Top