Zealah
Member
Ugh, ugh ugh.
If not being able to get off the yard due to the ice / snow wasn't bad enough i've just had an update from my insurance company.
Back in October I had my car stolen (broke into the house to get the keys), whilst very annoying i thought it wasn't too bad as everything was insured... oh how naive of me! Having been the first time having to claim on any insurance I under estimated how irritating it was going to be.
First nightmare was realising that my brand new Jefferies bridle was in the boot of the car - along with various other horsey items, which normally live at the yard and only come home for cleaning. (Force of habit leaving it in the boot of the car as then OH (now ex - but thats a whole other rant) was extremely allergic to horses).
Any way car eventually recovered thanks to a tracker but unfortunately all horsey items (except one chap - thanks what am I going to do with that??) gone. Again thought not to worry as had to claim on house insurance as they stolen items from the house.
This brings me on to the insurance company. Have an "all cases / clause's" policy meant to cover personal belongings etc in the house car and away from home, theft, accidental damage does include a sporting equipment clause - lists golf clubs, snow boards, and when your covered and not, Ie hit a tree with the golf club not covered, drop the bag down a flight of stairs you are. etc etc.
Basically the daddy of all insurance policies.
To now be told that equestrian equipment for me is covered but not for the horse.....
As it's not a personal belonging..... SO WHO OWNS IT?? MY HORSE??
Managed to convince them that the brushing boots and over reach boots are for me and not the horse
Slightly annoyed as I did specifically ask them about if my Tack was covered at the yard (away from home bit) and they gave me the requirements for it to be covered.... type of locks and could it be seen etc. Funny they don't seem to have a record of me asking that. But slightly worrying as if my tack was anywhere in the house, car, yard, by their current definition I wouldn't be covered.
So just a warning to you all, might be worth a quick double check of your policies. I've not given up but considering it's 3 months later (obviously had to shell out for a replacement a while ago!) I'm not holding my breath.
Bring on the NY!
If not being able to get off the yard due to the ice / snow wasn't bad enough i've just had an update from my insurance company.
Back in October I had my car stolen (broke into the house to get the keys), whilst very annoying i thought it wasn't too bad as everything was insured... oh how naive of me! Having been the first time having to claim on any insurance I under estimated how irritating it was going to be.
First nightmare was realising that my brand new Jefferies bridle was in the boot of the car - along with various other horsey items, which normally live at the yard and only come home for cleaning. (Force of habit leaving it in the boot of the car as then OH (now ex - but thats a whole other rant) was extremely allergic to horses).
Any way car eventually recovered thanks to a tracker but unfortunately all horsey items (except one chap - thanks what am I going to do with that??) gone. Again thought not to worry as had to claim on house insurance as they stolen items from the house.
This brings me on to the insurance company. Have an "all cases / clause's" policy meant to cover personal belongings etc in the house car and away from home, theft, accidental damage does include a sporting equipment clause - lists golf clubs, snow boards, and when your covered and not, Ie hit a tree with the golf club not covered, drop the bag down a flight of stairs you are. etc etc.
Basically the daddy of all insurance policies.
To now be told that equestrian equipment for me is covered but not for the horse.....
As it's not a personal belonging..... SO WHO OWNS IT?? MY HORSE??
Managed to convince them that the brushing boots and over reach boots are for me and not the horse
Slightly annoyed as I did specifically ask them about if my Tack was covered at the yard (away from home bit) and they gave me the requirements for it to be covered.... type of locks and could it be seen etc. Funny they don't seem to have a record of me asking that. But slightly worrying as if my tack was anywhere in the house, car, yard, by their current definition I wouldn't be covered.
So just a warning to you all, might be worth a quick double check of your policies. I've not given up but considering it's 3 months later (obviously had to shell out for a replacement a while ago!) I'm not holding my breath.
Bring on the NY!
