Insurance and Vaccines

[Denzil Penwerthy]

I am probably writing a post which has been written a thousand times, so apologies if this is the case!

I purchased my first horse (ones bought for me as a child not counted) today and I am looking to get him insured.

Can you help me with where is best to use. I have heard bad things about E&L paying out, I have 2 mates with NFU and one with Equine Petplan, which look good but very expensive.

Can you send me your thoughts?

Also on a separate note - flu vaccine - needed or not.......

 

[AmyMay]

I would thoroughly recommend NFU - you get what you pay for at the end of the day.

If you are planning on going out and about regularly with your horse (so riding club, clinics, hunting etc.) then yes - flu jabs. Tettenus should be done as routine, obviously.

 

[zoeshiloh]

E&L - Don't touch with a barge pole, unless you want cheap insurance, but are happy to spend hundreds/thousands on court proceedings to get your money out of them.

I have mine insured with Petplan and they are fantastic - I cannot fault them one bit. I have used Equestrian Direct in the past, and they were also very good, although I have heard a few things about taking a long time to payout since they've changed hands. NFU are also very good.

In terms of vaccinations, tetanus is a must -don't even think about risking it, the consequences are horrendous. If you want to compete you should also have flu as well to be honest. Also, in terms of insurance, you might find it hard to claim for certain things if flu and tet are not up to date. Earlier this year someone on our yard put in a claim for some dental work that had to be carried out, and they had to prove the horse had full vaccinations and 3 years of dental records!!

 

[Denzil Penwerthy]

Hey thank you

I just hack out normally on my own or with a friend. We wont be hunting, going to camp or a riding club but he will be on a yard with other horses. Although he has been for 3 years and the previous owners did give the flu jab. Tetnus I need to get booked.

NFU for you as well? My friends seems a good deal for what she is paying but Petplan wanted about 600 a year! Seemed a little steep.....get a free body warmer though - Whoopppeeee s

 

[Rollin]

I am probably writing a post which has been written a thousand times, so apologies if this is the case!

I purchased my first horse (ones bought for me as a child not counted) today and I am looking to get him insured.

Can you help me with where is best to use. I have heard bad things about E&L paying out, I have 2 mates with NFU and one with Equine Petplan, which look good but very expensive.

Can you send me your thoughts?

Also on a separate note - flu vaccine - needed or not.......

I have been insured with Carriage House since 1995. I don't know how they compare price-wise but I find them excellent. I only insure foals for their breeding costs but they will allow me to increase the value when they are yearlings. I understand that some insurers are tricky about this.

 

[Denzil Penwerthy]

E&L - Don't touch with a barge pole, unless you want cheap insurance, but are happy to spend hundreds/thousands on court proceedings to get your money out of them.

I have mine insured with Petplan and they are fantastic - I cannot fault them one bit. I have used Equestrian Direct in the past, and they were also very good, although I have heard a few things about taking a long time to payout since they've changed hands. NFU are also very good.

In terms of vaccinations, tetanus is a must -don't even think about risking it, the consequences are horrendous. If you want to compete you should also have flu as well to be honest. Also, in terms of insurance, you might find it hard to claim for certain things if flu and tet are not up to date. Earlier this year someone on our yard put in a claim for some dental work that had to be carried out, and they had to prove the horse had full vaccinations and 3 years of dental records!!

Wow!!! I wont have 3 years records as I dont have them. Oh well. Dentist is the next stop - very scared about that. Have covered off the new saddle and various others already so half way there. Thanks for the advise though on the vaccines and insurance. Maybe I will call NFU first as they seem to have a great rep. Wonder if they will do my cat too ;o)

 

[Blaise]

I would happily recommend NFU. When my old mare had colic costing well over £1000 inc hospital stays they paid up without question within a week. Petplan are good but you can get more comprehensive cover for much less without compromising on quality of service. I'm with Scottish Equestrian now & thankfully haven't had to claim, but heard good things about them before i took the policies out. E&L i won't comment on apart from saying cheap for a reason!!

As for vaccs- tetanus is an absolute must! Would very strongly recommend flu vacc if your horse ever comes into contact with others who you don't know, or your on a busy yard with horses that come and go (shows, events, even horses who greet each other out hacking can pass it on if one is infected) If your horse gets 'flu or anything that may be attributed to a preventable disease (flu & tet) and your insurance company finds out preventitive measures weren't taken (ie they weren't vaccinated) they won't pay out.

 

[Denzil Penwerthy]

I would happily recommend NFU. When my old mare had colic costing well over £1000 inc hospital stays they paid up without question within a week. Petplan are good but you can get more comprehensive cover for much less without compromising on quality of service. I'm with Scottish Equestrian now & thankfully haven't had to claim, but heard good things about them before i took the policies out. E&L i won't comment on apart from saying cheap for a reason!!

As for vaccs- tetanus is an absolute must! Would very strongly recommend flu vacc if your horse ever comes into contact with others who you don't know, or your on a busy yard with horses that come and go (shows, events, even horses who greet each other out hacking can pass it on if one is infected) If your horse gets 'flu or anything that may be attributed to a preventable disease (flu & tet) and your insurance company finds out preventitive measures weren't taken (ie they weren't vaccinated) they won't pay out.

Thank you so much for this - much help. :O) Such a daunting world to enter now!