Insurance sucess e and l

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bugbee717

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I have my insuance with e and l through horseinsuance .co.uk after I had a problem with nfu.
Well today the cheque came through the post, no hassle, no phone calls too them, nothing they asked for a copy of his passport which took me ages to email them.
I can not praise them enough ( cant say i was not worried after what you hear about the)


well done e and l
 
Ive made a few claims with e and l and ive never had any problems with them, I know they have a very bad rep but as yet so far so good for me.
 
please can you tell me waht happened with nfu as i insure with them and unsure if they will pay out. kinda long story jist is horse has liver damage n found out 3 wks after he went on cover!
i was under the impression they were the best??

pm if you like but im worried as have a vet bill rising every minute or so it feels
 
makes a change to hear a good report about e and l and a bad one about NFU. Blimey is all I can say.

I use Petplan and they are great!
 
I had a claim through E&L they only tried minimum tactics to get out of it and took a couple of months wasnt too much hassle.
 
Had a few claims with e&l which all came to near the £5000 mark in end they paid out did take while but not real issue with them at all. However when checked how much was left for new treatment they said they will no longer pay for that condition when i still had time and money left not impressed in that respect.

I have one with them, one with nfu and one with petplan.
 
I switched from E&L because I didn't like the way they treated my friend after her horse had to be pts upon breaking his leg, he wasn't even insured for a large amount, less than £2k.

-She'd owned the horse for 12 years and reschooled him so she'd insured him for slightly more than she'd paid for him, and I mean slightly more.

-She didn't still have the receipt so they wanted a letter on headed paper from old owner confirming purchase price and also that he was worth the current sum insured. Luckily he came from a racing yard that was still in business and the trainer remembered him

-They wanted letter from vet confirming the above and also that there had been no other choice but to pts

-They kept writing to request info about the fencing, the field, the stables, the location, which she would supply and then a month later they'd write again saying they were still waiting for her response

It took over a year to settle the matter

Also, our vet will not deal with E&L and if you use them they request payment in advance and you have to collate all the paperwork yourself, with any other insurer you just fill in the owner bit, pay the excess and they sort the rest.

It is nice to hear good things about E&L for change, it's tempting to return to them though, my 2 are costing nearly £65 per month from PetPlan, but I can't take the chance
 
hellywelly1 said:
please can you tell me waht happened with nfu as i insure with them and unsure if they will pay out. kinda long story jist is horse has liver damage n found out 3 wks after he went on cover!
i was under the impression they were the best??

pm if you like but im worried as have a vet bill rising every minute or so it feels
Click to expand...

They were very behind on their payments. i rang them last week as they still havnt paid the invoices sent to them by my vets. she told me they were up to date FOR THE MOMENT. They were sending claims off to first equine to deal with. Im not overly impressed with them at the moment and will be seriously thinking about it before i reinsure with them.
keep ringing them and asking whats happening. they are very slow to contact you and ask for any additional info they need.
 
I've been with SEIB for years now - they are pretty good on the whole, but sharp and heavy on the exclusions.

Going to move to basic insurance now for my 4 and put the delta into a pot to self insure. We have had one claim in the last 3 years - and they paid out £300 on that - for a combined cost of almost £4500. Who is the winner there!!!!!
 
Bruce with that number of horses it makes econcomic sense to take out a British Dressage non-riding membership (less than £40) which will give you full third party cover, and put the rest in a bank and leave it there until you need it. Also check your house insurance policy as the 3rd party cover is often on there.

In spite of one dead horse (2,500) and one tieback (2,200) I am still well in hand cash-wise after self-insuring an average of 2.5 horses for 7 years.
 
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