Flippin insurance company..... rant....

Happy Horse said:
Are you mad! This is fraud and probably a large part of the reason companies like this do make claiming so difficult and put up premiums for genuine honest people. The guy from E&L comes on here from time to time so you may find yourself having trouble claiming a penny if he can identify you and as you have effecively admitted defrauding the company I would imagine H&H would be legally obliged to assist.
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Too true and they don't realise that fraud is a CRIME. So,at best not only would your claim not be paid, your policy would be cancelled/voided and you would have to declare it to any new insurer who would be highly unlikley to offer you any cover. At worst the Insurance Company would take you to court to recoup their losses......and yes that does happen. People seem to think it is OK to lie to insurance companies but don't seem to realise that you have to be be very, very smart to get away with it. How many claim forms have I seen that state use of horse: hacking only. How did injury occur: hacking. We speak to vet who states: horse injured whilst hunting etc. Insurance companies are a lot, lot tougher now and as stated fraud is a CRIME!!!!
 
You CANNOT say that you dont know E&L are ****. They are the only company my vets will NOT deal with, any google, h&h, etc etc search comes up and tells you! You'd be totally blind not to know. Sorry.
 
I know its not quite the same but with car insurance isn't the advice to never accept the first offer the insurance company makes? They almost expect it, and then come back with a better offer. Obviously you can't do that for vets fees but as OP's trailer was stolen presumably she can reject their offer and wait for a more realistic settlement.
 
Yes he came on and posted saying that they knew things had been bad but they were working hard on improving blah, blah. A quick Google search brings up pages of negative reviews so the reviews they get on here are nothing new - I guess occasionally someone posts something positive, which is good for them.
 
moandben said:
I have four horses, two cats and my trailer insured with E&L.

My cat has been very ill, (long story) E&L have been great, first vet bill sent in was for nearly £3000, they paid within 30 days, the vets have been sending in claims every month for last 4 months and they pay within 5-7 days.

In total we are at about £14,000. the only things they have taken off were excess and 10% of hospital fees.

I know you read a lot of bad press about them but how many people can be bothered to write good stuff about them.
I am so happy and pleased with the them, if it wasn't for them my baby cat would not be here.


(just in case anyone wondered, cat stopped making red blood cells, 5 blood transfusions, and bone marrow biopsys and lots of drugs he is in doing well, chasing fly's round the garden)
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To be honest I wouldn't be surprised that if you phoned the company to speak to the person dealing with your claims you would probably find that they were no longer with the company :)

With the quantity of adverse publicity this company draws I cannot understand why H&H & other magasines carry their adverts. I know they need the advertising revenues but surely they have some rsponsibility to their readers?
 
moandben said:
I have four horses, two cats and my trailer insured with E&L.

My cat has been very ill, (long story) E&L have been great, first vet bill sent in was for nearly £3000, they paid within 30 days, the vets have been sending in claims every month for last 4 months and they pay within 5-7 days.

In total we are at about £14,000. the only things they have taken off were excess and 10% of hospital fees.
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Fascinating considering their top level cat policy only gives you £6ks worth of vet fee cover.....
 
Twirly, PER ILLNESS. I.e. if shes had 3 diff illnesses then they could cover. I think its not true, but possible! =]
 
I'm afraid its my own fault really, I did know they were not the most reliable but I thought the trailer would be OK, being an inanimate object that I had no emotional attachment too !!

I've re-checked the small print and it does give the calc for depreciation and then says that their payment will be depreciation or market value, whichever is less. Which given the calcs they use, will almost always be depreciation. My argument is that the market value is X which happens to be the same price as it was insured for, so in my world, there is no real depreciation. However, if you follow the small print, then what they've done is correct. Sh*t, but correct.

I think what annoys me is the time its taken, the number of times I had to chase for claim forms, having to pay extra for them to obtain the police report and then chase again. And at the end of it, I'm a grand down. Yet, I've paid my premiums, kept my trailer in good order and safe (or not as it would seem) and I've been robbed by the scutters who took it and robbed again by the insurance.

I can't see how I can extract any more money from them except by appealing to their better nature, which I suspect they don't have. Its just a lesson learnt I guess.

Anyway, if anyone has a nice IW510 or 505 for sale at a reasonable price (NW based) please PM me.

Thanks for all thoughts / sympathy
x
 
flamehead said:
Twirly, PER ILLNESS. I.e. if shes had 3 diff illnesses then they could cover. I think its not true, but possible! =]
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She states it's one thing.....

(just in case anyone wondered, cat stopped making red blood cells, 5 blood transfusions, and bone marrow biopsys and lots of drugs he is in doing well, chasing fly's round the garden)
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Unless perchance the cat has exactly the same symptoms for numerous claims.....even more unlikely don't you think ;-)

Soz was a Claims Manager in Brokers for many years and spent most of time time weeding out complete bullocks and bullcrap, old habits die hard lol!

OP - please don't give in just yet, go back in and go in hard. I've turned complete refusals around to full payouts before, just stand your ground and escalate from claim handler to manager. It might not work but you have nothing to lose but time and a lot to gain if it works
 
Twirly said:
Fascinating considering their top level cat policy only gives you £6ks worth of vet fee cover.....
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It's £6500 as his was the top policy taken out in 2009. Also fascinating is that if you read your policy as I am on a monthly paid policy I can claim the full amount £6500 a month. And you can contine to that for 12 months. I didn't know it either, it was someone at E&L that told me that.

I can PM my details to you so you can ring and ask if you like(policy number, contact details at E&L), or would you like the refural vets details as they have been paid By E&L every month ??????

I suggest you get your facts right before posting comments like you have.
How rude!!!!!!!
 
OP - do not give up, it is worth hassling them a bit to get some more money, they will almost certainly have the scope to up the offer at least once.
 
Yes I'm frequently rude and no I don't actually give a monkeys about you or your cat so went on my knowledge of a wide range of insurances following 15 years of experience at senior management level in the industry.

I have absolutely no intention of following up on your pm - which would be impossible under the data protection act anyway (which I didn't ask for or want thanks all the same... irrespective of your offer below...do you always send your personal info to random strangers on the internet without being asked...not an altogether sensible idea I might add, I could be a crazed psychotic stalker as well as being an exceptionally bloody minded keyboard warrior)

However having just had a proper look through their pet policy documents I'm amazed to confirm you are right the policy gives full renewal of terms every month if taken as a monthly / lunar monthly policy and paid every month / 28 days. Think some underwriter was barking at the moon when they thought up that bright idea PMSL. So yes you are fully entitled to full vets fees of £6k every month that you pay your premium)
In all those years of insurance practice I've never seen a policy with terms as generous, even seriously High Net Worth policies.

How hilarious that the insurance company with the very worst customer service record in the industry gives the most mind blowingly generous level of cover.
 
Twirly said:
How hilarious that the insurance company with the very worst customer service record in the industry gives the most mind blowingly generous level of cover.
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Which is why they still get takers!

I couldn't believe the cover levels having read the documents through several times and rang to ask. Amazing level of cover - if you can get them to pay out and if you can pay your vet up front (or they like you enough to give you many months' interest free credit)
 
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My horse is insured with E&L and my only complaint so far is,that because my horse had a Sarcoid last september,they will exclude any claims to do with that and similar problems,as of this september.I dont think its fair tho.
Do all insurance companies do this???

Hope you get your claim sorted soon.
 
sharon1959 said:
My horse is insured with E&L and my only complaint so far is,that because my horse had a Sarcoid last september,they will exclude any claims to do with that and similar problems,as of this september.I dont think its fair tho.
Do all insurance companies do this???

Hope you get your claim sorted soon.
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Yess they do. Even NFU now have an inbuilt clause excluding stuff that has already happened.
 
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