Insurance question

D

DBrasnett

Well-Known Member
Joined
12 August 2007
Messages
497
Location
Gloucestershire
www.brasnett-pratt.co.uk
Unfortunatly I might have to use my insurance soon, and having never done so before I have a couple of numpty questions!

Facts -
Vet and physio (Sam Smith) recommend I scan my pony for ataxia. All on the ground tests are non conclusive. I have had pony for 7 months, he passed a 5 stage vetting. Insurance is with NFU. I have never made a claim before on this pony, or my past horses.

Questions -
When do you notify your insurance company?

Does the insurance company apply a exclusion if you have a scan and the results are negative? (I ask this because a friend called her insurer to advise them there might be a claim and next thing she knew was they threw an exclusion on her, and she never made a claim!!).

If I decided to pay out of my own pocket and not use the insurance, but at a later date use the insurance for the same problem, will they have issues?

My big concern is that if I have this scan and claim on insurance they will throw a big exclusion on me.
 
Tell them immediately if you think you need to claim but dont specify what problem is then they cant exclude until investigated and confirmed be vague
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You won't be covered in future even if you pay for treatment yourself.....at every renewal they ask if the horse has any treatment and will exclude then!
 
and dont lie or forget to tell them come renewal either otherwise if you make a claim at a later date and they request the vets history and see it has been treated for something they were not advised about they may avoid the claim and possibly void the policy for non disclosure!
 
Ring the NFU tomorrow & explain the situation. As others have said you might just as well claim for everything now. The NFU apply a "one year from start of any condition" rule - that is they will only pay for a problems up to one year from the first signs NOT from the date you first claim. If you make a claim in the future they will ask for a full history & so will know anyway.

They will need a letter from you vets explaining what the symptoms were & what diagnosis has been either made (if any) and what has been ruled out. They will then make a decision about exclusions. If you think it is unreasonable you can always have your vet to talk to theirs & get the decision reviewed.

Good luck- hope things work out OK for you & your horse
 
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