Horse Insurance Advice - Right bad luck

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speedycivic

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Just a bit of advice re insurance. My horse has had a right run of bad luck the last year especially. Had foot balance problem that was found to be due to shoeing. But I did not know at the time and so made a claim. Probably on reflection I would not have claimed, but I always thought you had to tell them about the injury and as soon as you do that, they seem to exclude it anyway! Regardless of whether you made a claim or not.
The next thing that happened was that she got a virus that needed anti biotic treatment
After that, she had a serious kick injury which has resulted in a fracture and also ligament damage.
The insurance company have written to say that the insurance company has withdrawn from horse insurance and that they themselves as a broker would not like to insure the horse.
In this instance what would you do? If I can’t get cover, would you suggest putting money aside, each month? But how much and what if we can’t afford the bill? I guess I should not worry till it happens. But any advice gladly received.
 
Hi there
Sounds like you've been really unlucky! Firstly, I'd call another couple of insurance companies, explain the situation and be truthful with them re. what has happened and that you've had your insurance withdrawn- you can then work out if you need a plan B. If you can't get insurance, I would definitely look to put a bit by every month, just in case. That was, worst case, you have a nice rainy day fund but, if you need it, the money is there.
 
Marilyn said:
Hi there
Sounds like you've been really unlucky! Firstly, I'd call another couple of insurance companies, explain the situation and be truthful with them re. what has happened and that you've had your insurance withdrawn- you can then work out if you need a plan B. If you can't get insurance, I would definitely look to put a bit by every month, just in case. That was, worst case, you have a nice rainy day fund but, if you need it, the money is there.
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Ditto this. Try a few companies first, somebody usually wants to take our money! My Irish Setter hasnt had much luck - meningitis at 2, 3 years of treatment - so severly poorly you wouldnt believe, bloat and stomach torsion that she was lucky to survive and then serious food poisoning (we think dead animal killed with poison which she ate!) she was VERY poorly again!!!! Our insurance (virgin) paid out every time and her premium in 6 years has risen from £15 to £20 a month - I dont think thats bad:)
PS The Setter is now better than ever and is making up for lost time:D She is a LOONEY TUNE:D:D:D
 
Oh I hope you are right...it is a bit of a worry if I can't get cover. I realise she has been a nightmare in terms of cover this year. But the year before there was nothing at all. I think Virgin sounded very good. That is not bad at all.
Keep your fingers crossed.
 
I agree try another company, they will just tell you that you won't be covered for any pre existing conditions. I've had 3 claims and claimed for death on my horse. Then had to claim for my new horse months after I had brought him. They have put my premiums up but still insure my horse. That's the NfU.
 
What they said! Just go to another insurer. You should be able to get cover but it's going to be pretty restricted - I would imagine they would exclude foot imbalance and the existing ligament damage. To be honest if i was underwriting your cover, the fracture wouldn't bother me if it's fully healed and if the virus was treated and there is no reason for the horse to have ongoing, related problems then that wouldn't bother me either. Just approach some other companies.
 
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