Insurance problems

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Lou23

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This could take a while to explain to bear with me.

I have insured our pony with NFU since we bought him a year ago and the other day i received a letter saying that the underwriters have carried out pre-newal review of the policy.

They say they would like to know if the pony has fully healed, no joint surgery involved. And that they will require written confirmation from a vet thats the horse's feet are now well balanced and shod, of good confirmation and the heels are no longer collasped.

I responded to the insurerers saying how surprised i was to receive thier letter as we have never had any problems and the vet has only visited for annual jabs and that i have necer made a claim.

They sent sent me a reply today saying

Exclusions were applied when i sent in the vetting report which said slight mediolateral hoof imbalance on front feet - shoeing will improve over time. Also abcess in mouth.

They require me to confirm abcess in mouth has healed but i need to get a vet out to say feet are ok, balanced, shod and of good confirmation.

My argument is i never knew of the exclusion as it was written under the loss of use section not the exclusions section. Ok i should read things more carefully.

We have never had a problem with our ponies feet, this was only written as an advisiory note on the vetting. Also i sent the vetting to insurers as i'm honest and didn't have to provide one. I object at having to pay for a vet out to say everythings ok.

Any advice would be most grateful
 
If all is well, just get the vet to declare that everything is ok. You get cheaper insurance because you have had a vetting, so you will still be on the right side even if you have to pay the vet for his declaration.
 
I had mine 5 stage vetted when I bought him and he also has mediolateral imbalance on his off fore. The vet was not concerned about it and said routine farriery would sort it out. When i insured him they also excluded this, however they also excluded any causes or conditions on both front feet!! I kicked up a fuss and I now have accidental and external injuries covered. I will have to do the same as you to get the exclusion lifted and unfortunately this could take a while. I would rather have the vet out and the exclusion lifted, knowing the amount of issues there can be with horses feet.
 
When I had my horse 5* vetted, it was noted that he basically had been shod badly and his hoof pastern axis was incorrect etc. NFU placed an exclusion on all four feet.........six months later after my wonderful farrier had shod him correctly, he wrote a letter to them (well I constructed it and he authorised the content and signed it - good with horses not computers!) and sent it to NFU. They lifted the exclusion no questions asked. Had also taken before and after photos but they never asked for them so didn't offer them. Give them a call and ask if a letter from your fully qualified farrier would be sufficient as mine certainly was and is cheaper as you can do it when he nexts comes to shoe and save on a vets callout etc. Good luck
 
If they have just applied a warranty regarding the feet (ie that they should be regularly trimmed, shod etc) then i cannot see how or why they would request you provide proof the feet are ok?

They should have made you aware (with a covering letter for example) in my mind when they issued the policy in the first place explaining what terms/exclusions they have applied. If they did not supply this then I think this is bad administration and underwriting on their part to be honest.

If you do not wish to move insurers then I would do as CLY suggests and get the farrier to sign confirmation the feet are now properly looked after. I would even advise them that you are aware of somebody else with the same exclusions applied for whom they accepted a farrier letter!
 
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