Horse insurance.

Can't believe it took so long for someone else to recommend KBIS! Have used them for years and they have always been very good. As KatyB said, they are horsey people, it really does help.

NFU and stupid exclusions - Fiver was born with a flap of skin the size of a fingernail right on his nose; we all thought it would drop off but it didn't; been tested harmless, just skin and has shrivelled over time to look like a currant; NFU have excluded it - and sarcoids?! Not quite sure how his 'currant' will cause any problems, he's 17 now!
 
Just bear in mind you will not be covered for public liability and if the worst happend it could prove very expensive.

On a hack a few years ago a safe/sound horse spooked, rider fell and it bolted. Because the road was blocked it did not run for home but instead ran through a small market town, on market day injuring several people. At the other end of the market it hit a car and was killed.

Several claims were made for injuries and the car owner wanted his car replacing. The owner was not insured.

It was a freak accident but insurance is not just for vets fees.

Can echo the NFU recommendation too.
 
Joining British Dressage (cheapest option is as a non-competitive member) will also give 3rd party liability - this is what I do
 
Or BE, BSJA BHS gold... worth checking any memberships you have for what you are covered for elsewhere before approaching insurance companies.....
 
NFU, KBIS and or SEIB all have good reputations as far as I am concerned.

I am with NFU! I rang my local branch and were most helpful.

Regarding another mentioned compnay I always feel pay peanuts get monkeys!

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I certainly wouldn't trust E and L - had a friend who lost alot of money and ultimately her horse with them.

This time last year I would have agreed with NFU but they have messed me about so much and been so rude this year that I won't be renewing with them.

Petplan and KBIS have been recommended as well as SEIB. I think i'd now rather pay a higher premium and be sure that my claim will be settled rather than rack up the debts that I have on vet bills this year due to a bad insurnance company.
 
Wow I didnt realise they covered as much as that! I know BRC offer cover as well and I am a member of them and BD so am probably covered up to the eyeballs
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south essex, have claimed a few times and always pay straight to vets, no hangiing around, alot of the ins companies expect you to pay and then they refund you, if you could afford to pay in the first place we wouldlnt bother with insurance
 
Ditto everyone else regarding E&L took them a year to pay me a claim. I'm now with Aims and have been very pleased withhow they are handling my claim and a very good price too.
 
i am with petplan had a few claims and premiums have soared so thought id change and be totally honest with new insurers about horses bone spavin shes been fine for past year or so but most insurance companies want a 5* vetting whats the point i know she wont pass one! and i am not paying out a few hundred quid as that will cost me more. tho petplan have always paid outto be fair
 
I really cannot fault NFU.

We bought a pony a few years ago, and it went lame almost immediately. It turned out that she had pre-existing arthritis.

They paid all her vets bills which included xrays AND they paid out Loss of Use. All without a quibble.
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Im with Julie Andrews horse insurance, but i think its the same as scotish equestrian, although thery have different numbers and the guy who i always speak to for Julie Andrews is very cheery and helpful

Never made a claim *touches wood* so i dont know in respect to paying out, as when my horse had an abscess vets bill came to £130 and i have to pay the first £100 so didnt really see the point of claiming for £30
 
Daughter has public liability cover from the pony club(£50 a year) or BHS Gold membership. I take my chances on the vets bills. I'd rather put the money in a 'horse' savings account.
 
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