Fully comp multi horse insurance

[IhaveTooMany]

I know there's a lot of posts on insurance but I'm looking for fully comp insurance for my 5 horses.
Basic use incl dressage and low SJ, 2 are broodmares.
Harry hall won't cover illness and ligaments etc
Horse insurance was about £450 a month (crying)

I want them all to be covered for vet fees in illness, injury, colic etc
Loss of use and mortality insurance

Please help my head is hurting

 

[poiuytrewq]

I know there's a lot of posts on insurance but I'm looking for fully comp insurance for my 5 horses.
Basic use incl dressage and low SJ, 2 are broodmares.
Harry hall won't cover illness and ligaments etc
Horse insurance was about £450 a month (crying)

I want them all to be covered for vet fees in illness, injury, colic etc
Loss of use and mortality insurance

Please help my head is hurting

agree you have too many… sorry

Admiral do multi pet insurance which is very good. Not sure if they do horses

 

[Bobthecob15]

Have you contacted NFU? We have 2 horses and trailer with them, they are very reasonable and cover what you are after. We got a bit of a discount for the multiple policy.

 

[blitznbobs]

Get a quote then Put all the premiums in a separate bank account. And then use that as your vet fund … I have about 9 and have never spent as much as the premiums are

 

[Polos Mum]

Loss of use is what's causing the premiums to be so high.
And if by Mortality you mean getting the value insured when the die - then that's also v expensive.

The criteria required to be met for successful claims for LOU and PTS are really strict / difficult so with that many it may well be worth considering a vets costs only type insurance and keeping the difference in a savings account so you know you can get to it if you need to.

Set their value at £500 each and vets fees only with a high excess and the premiums will be much more manageable.

I don't think any of the insurers do a multi horse policy that is any cheaper than just five separate policies.

 

[maya2008]

BHS 3rd party then take it off your policy. Insured value as £500.

That should drop the quote to something like £60 per month per horse (so £300 ish). Or you can stick that £300 a month (£3600pa) in a savings account. Up to you!

 

[Jambarissa]

Putting premiums into an account will save you money over the lifetime but it's a risk if 3 of them have something happen next month.

Agria is an inbetween solution, premiums are much lower than others but you pay both an excess and a proportion of each claim. You could do this whilst building up a decent amount in your accounts.

Horse Insurance | Agria Lifetime Pet Insurance UK

Protect your horse with lifetime equine insurance from Agria Pet Insurance. We will cover ongoing illnesses for the rest of your horse’s life.

www.agriapet.co.uk

 

[IhaveTooMany]

What I have done for anyone interested is insure 5 of them for total of £166 per month with Agria. I do pay an excess and 25% on claims but it's lifetime cover and somewhat peace of mind