insurance and vetting

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traceyjoanne

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have had my horse 2 years had never had insurance and never needed the vet apart from annual jabs and sedation for wolf teeth removal
she is now broken and i want to get her insured but as i never had vet in the 2 years of ownership why do insurance companies ask for a vetting
what insurance company does not ask for a vetting and is a good insurance company why can they not ask for my vets details and ask them about the horse
she will be insured for around 5000
thanks
 
Insurance companies insist on a vetting over a certain value to ensure there are no pre-existing conditions. Otherwise if your horse went lame you could then decide to take out insurance and claim. Any good insurance company will insist on a vetting.
 
Most insurance companies will ask for a vetting certificate for a horse valued at £5,000 or higher. They will also want one if you have estimated the the horses value has increased from the amount originally paid.
 
if you are insuring up to 5k without lou you should not need a vetting, if over £2500 with lou then you need a 5 stage and if over 5k without lou would be a stage

Thats with Petplan but most would prob have the same rules
 
Avoid E & L at all costs!!!! Have had bad experience and also heard several other people who've had the same. My vets are too keen either...!
 
The £5k thing used to be the norm, for sure, it is what I have always advised! However, I decided to insure Ted last week, and as I have owned him for more than 60 days I struggled massively to actually get him insured without a vetting. I eventually got AmTrust to agree to £2950 without a vetting, I took a £500 vets excess too, and they did that as a favour as I know their sponsored rider!

You say your horse is broken - you will HAVE to tell the insurers this fact otherwise all insurance will be nil and void. To be frank, I don't think you will be able to insure your horse without a vetting at all.
 
Weezy, good news is AMTrust let me add LOU use to Attys Insruance after he'd been insured for a year with no claims, so they might let you bump up Ted's insruance after a year or so.
 
Try Shearwater - if you have had the same vet since purchase & can provide a full history and do not want LOU cover you may be able to do without a vetting. Depends on age / value / etc.

I use them and they've been good with helping with a confusing claim as well.
 
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