failed vetting - insurance?

[timefort]

Following on from another thread on here regarding potential horse coming up slightly lame in vetting (I didn't want to hijack), I was curious to see how many people suggested they wouldn't get an older horse vetted, or that the OP of that thread could buy the horse regardless of the failed vetting. Those of you who wouldn't vet, or who suggest ignoring the failed 5* vet, how do you get insurance? I'm asking as I'm in exactly the same situation. I've found a lovely horse (and seller) but she's slightly lame on a tight circle on hard surface (horse, not seller). I'm considering buying regardless as in every other way she's perfect, and I'm only after a low-level confidence giver but I can't afford to not have her insured. Can anyone recommend insurers who only need a 2* vet? or any other options??

Thanks in advance!

 

[AmyMay]

You dont need a vetting to get insurance up to a certain amount. So providing the horse is purchased for under (I think) £5k, it wouldn't be an issue.

 

[be positive]

Most insurance companies do not ask for vettings below a certain value, if the horse is vetted you must declare and send in the cert, whether it passed or failed so you are stuck once a horse has failed which is why many advise to not vet in the first place but to just buy and insure, still a risk as something may come up that is considered to be a pre existing condition.

Regarding the one you are thinking of buying, it is a difficult one as you know it is "unsound" by declaring no knowledge of this when you apply for full insurance you are potentially committing fraud if you try and claim for something relating to that leg later, a 2 stage will more than likely find issues anyway, if the vet has any concerns on the trot up or flexions they can go on and trot on the circle so it will come up then.

 

[ROMANY 1959]

When we had sasha vetted she came up one tenth lame on circle, ( tho was barefoot and it was on uneven ground)
So I called my insurer, and they spoke to the vet there and then, and the outcome was she was insured but a one year exclusion n that leg, that has nearly expired so when I insure in 6 weeks time she will have no exclusions as we have had no problems whatsoever with her, and she is a Polocrosse horse.
Always worth speaking to insurance people