Insurance poll

[alsxx]

I'm interested to hear people's thoughts on insurance, as after reading so many posts where people seem to get 'let down' by their insurers, I wonder whether I am in the minority by fighting 'til the bitter end to get my money back.....

Last year my insurers refused to pay out after accepting 2 claims on my horse, and after giving me permission to use a certain vet for a second opinion....their reason, they had pre-existing issues with that vet. After doing a formal complaint and getting the financial ombudsman involved, I got my money back, and the reassurance from the ombudsman that the way they had handled my claims was quite frankly appalling.

Soooo.....

 

[Carys]

It would depend on why the claim was rejected - if I was obviously in the wrong / clear exclusion then yes I'd probably accept their decision & chalk it up to experience but otherwise I would question it.