Horse insurance recommendations please ?

[Spangles]

I've been with Shearwater but they have bumped up the excess on my insurance - to either £300 or £500 from £150 last year ! Overall policy has gone up too to £900.

I've done an online quote with Petplan and the policy almost like for like comes out at almost £300 higher, even with a lower excess value.

Who do you use ? Any other recommendations greatly received thank you !

 

[milliepops]

I'm with KBIS and have always had excellent service (though they aren't exactly cheap either!)

 

[GoldenWillow]

I've been with NFU for a long time, not the cheapest but they've paid out on claims no problem and were the cheapest to insure my trailer on my policy by a long way.

 

[criso]

Everyone has gone up this year, did quite a big comparison recently as wasn't happy with current insurers and they are all high unless you go down the E and L route.

I've had good experiences with SEIB, Shearwater and NFU. I had a bad experience with 4counties/Towergate. Ended up with about 6 exclusions as they trawled through the vet history and started raising small issues from 5 years ago. Did manage to get the ridiculous ones removed but it took about 9 months and vets letters.

ETA when I did the comparison both KBIS and SEIB gave lots of different excess options which gave the possibility of significantly lower premiums if you are prepared to pay more upfront.

 

[Hormonal Filly]

NFU have been outstanding with claims for my gelding, they've paid up every time without question. Price has doubled in the first year but to be expected having 2 claims and 1 maxing out.

Wouldn't touch Petplan with a barge pole anyway - had a bad experience.