Insurance recommendations.... please?

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ChestnutConvert

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I am looking to change my insurance company for my horse with a couple of exclusions, one a recent colic that should not be rrleoccurring and have been considering between: animal friends, shearwater and who ever comes up when getting a quote from seib.
Any experiences or suggestions of other companies would be really helpful.
 
NFU did me proud for 30 years and then priced me out. The lorry and breakdown remain with them. Alice is with SEIB, very reasonable for a field kept youngster but premium just gone up by £100 following 2 claims for field injuries (kicked a gate post treated for possible fracture and a nasty cut to her pastern).

Read the small print very carefully. A horse is currently being treated for a catastrophic hock injury after being caught in a fence. E and L are the insurers and when the owner went to claim, there in the small print is an exclusion - no cover for injuries caused by fencing. Both vet and owner were astounded.
 
AdorableAlice said:
NFU did me proud for 30 years and then priced me out. The lorry and breakdown remain with them. Alice is with SEIB, very reasonable for a field kept youngster but premium just gone up by £100 following 2 claims for field injuries (kicked a gate post treated for possible fracture and a nasty cut to her pastern).

Read the small print very carefully. A horse is currently being treated for a catastrophic hock injury after being caught in a fence. E and L are the insurers and when the owner went to claim, there in the small print is an exclusion - no cover for injuries caused by fencing. Both vet and owner were astounded.
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Surely unless the fencing is unsuitable for purpose, which I do sympathise with insurance companies about why should they pay out for injuries caused by dangling barbed wire etc, it is the horse that has caused the accident by going into it not the fence jumping out and causing the injury so they should be paying out, otherwise almost anything could be excluded if the injury is caused by your building or even a rabbit hole that was overlooked, that is why you insure for the unexpected.
 
I'm with Amtrust and they have always been fine, paid out on time. Just had my renewal through and there has been no increase in premium (and no exclusions as not claimed for anything or had any issues).
 
I am with Amtrust too. Insurance gone down this year, but most of my horse is now excluded! Trailer and tack also insured with them, always paid out quickly without any quibbles.
 
I was with E and L years ago and when I had a very bad riding accident it turned out the tack was only covered for £300 in the small print but the saddle was £1500 when bought, they were useless
 
be positive said:
Surely unless the fencing is unsuitable for purpose, which I do sympathise with insurance companies about why should they pay out for injuries caused by dangling barbed wire etc, it is the horse that has caused the accident by going into it not the fence jumping out and causing the injury so they should be paying out, otherwise almost anything could be excluded if the injury is caused by your building or even a rabbit hole that was overlooked, that is why you insure for the unexpected.
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Exactly, the vet couldn't believe it. I don't know anything more but my sympathies are with the owner. E and L have never had a good reputation.
 
AdorableAlice said:
Read the small print very carefully. A horse is currently being treated for a catastrophic hock injury after being caught in a fence. E and L are the insurers and when the owner went to claim, there in the small print is an exclusion - no cover for injuries caused by fencing. Both vet and owner were astounded.
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I was intrigued by this so just had a look at the T&C's. It actually says:

"any claim caused by barbed wire, stock fencing and plain wire fencing".

Very unusual to have this but they have stated specific types of fencing. Guessing they don't like any wire type fencing. Can kind of see why they have done this but don't think it's typical among other insurers!
 
If your nose catches even a whiff of E&L's foul stench, run a mile, then another two just to be sure. Once you've done that, find the longest barge pole you can lay your hands on and then do all you can to avoid touching them with it.

The vets I've spoken to treat people insured insured with E&L as if they were uninsured, I understand this is common practice amongst vets too. We're certainly the proof of that and £4000 worse off as a result!
 
Mine are not insured now, I save the policy into a bank account . If I did need one I would go back to South Essex Insurance Brokers, which my car and box are still with
 
I too was priced out by NFU, the policy almost doubled with no claims for years but they were fantastic when I did claim, just such a shame as imo they are the best. I swapped to KBIS after NFU but needed to claim this year and have had problems with paying out and a hit and miss customer Service. Sadly my boy was PTS so when I got my new boy I took by business to Scottish Equestrian as reccomended by a friend who'd claimed without any problems.
 
I have just received my renewal for Kbis and it has increased by almost £100 I've been with them 2 years and not claimed once. I've been shopping around and the only one I've found cheaper (apart from E&L, who I wouldn't touch with a barge pole) is animal friends which is £200 cheaper a year than what I am paying now, seems to good to be true so I asked my vet and although she said she's personally not dealt with them their practice will deal with them directly however leahurst won't, and if my horse had to be hospitalised that's were he would go. And I would have to pay for any treatment upfront and claim it back myself. But she did say to get in touch with leahurst and check this was still the policy as it was last year she was informed of it so I have emailed them but had no reply. Have looked around for reviews on the company but as yet I can't find any equine related reviews.
 
I'm with the Nfu and it's costing me more than my car insurance! So I'm also looking at changing this year too. One thing I have found with some companies is that you only get £1500 in vets fees rather than the £5000 you get with the Nfu - worth ****** all in my eyes with the rising cost of vets fees!
 
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