Insurance??

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NicoleS_007

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We sent our claims form nearly two weeks ago (for death of horse). He was pts a month ago after completely fracturing his P2. Well we got an email from the insurance company today asking how the incident happened and what type of fencing surrounded the field! I have emailed them back with the details but does it matter what type of fencing there was around the field?? I have stated that he was nowhere near the fencing when the incident occurred. But maybe there trying to weasel there way out of paying out? And they've also sayed that we wont get the vets fees back as the excess is higher than the claim :/ ... So it says we have to pay an excess of 17.5% for each claim or a min of 139 per claim so is death and disposal classed as two seperate claims or one?

Sorry very long but im rather confussed :o
 
Is that E&L you're insured with? Sounds like their excess amounts there! 2 weeks is a rather long time to respond and i would maybe call them and enquire as to why they are asking you about the type of fencing you have uf this has absolutely zilch to do with your horses injury (I am very sorry to hear about that by the way, some insurers do not help with the way they deal with these sensitive claims).

they are more than likely correct about the vets fees excess but they should have no qualms about settling a death claim given the circumstances as, with fractures it'e pretty easy for a vet to diagnose - there's not really much room for error.

I think the fencing query is suspect as I could bet you my lottery winnings this week (£10!), if you don't have post and rail they will decide your fencing wasn't adequate and will try connect it some how to your horses injury. Get on the phone, ask them what the delay is and why they are asking questions completely unrelated to your claim. Keep EVERY bit of correspondence you send and receive and makes notes of every conversation you have and who you have it with. If you are not happy ask to speak to the claims manager and get to the bottom of what is going on.

I really hope you are not insured with E&L but it does sound like them with that excess thing. Good luck!!!
 
Sorry to hear about your horse.

Yes, they are separate claims and require different forms to be completed so make sure you have filled in the correct forms. The forms are available on their website to download.
I found that the vet fees were paid quite quickly but it took them nearly 2 months to pay out for Death Of Horse.
I phoned them daily to ask them where my claim was in the process as everyday they said something different. What was quite frustrating that it took them 2 weeks just to sign the cheque!!!
Vet fees are one claim with a min excess of £139 or 17.5% of the final fees.
Death Of Horse is another claim. They take in to account the market value and you may need to prove he was worth what you are claiming for. I had to get a letter from my Farrier. Also they will take off your excess.
They will only pay the disposal if you had taken that out on your policy and isn't included in the Death Of Horse as standard.
 
ladyt25 said:
Is that E&L you're insured with? Sounds like their excess amounts there! 2 weeks is a rather long time to respond and i would maybe call them and enquire as to why they are asking you about the type of fencing you have uf this has absolutely zilch to do with your horses injury (I am very sorry to hear about that by the way, some insurers do not help with the way they deal with these sensitive claims).

they are more than likely correct about the vets fees excess but they should have no qualms about settling a death claim given the circumstances as, with fractures it'e pretty easy for a vet to diagnose - there's not really much room for error.

I think the fencing query is suspect as I could bet you my lottery winnings this week (£10!), if you don't have post and rail they will decide your fencing wasn't adequate and will try connect it some how to your horses injury. Get on the phone, ask them what the delay is and why they are asking questions completely unrelated to your claim. Keep EVERY bit of correspondence you send and receive and makes notes of every conversation you have and who you have it with. If you are not happy ask to speak to the claims manager and get to the bottom of what is going on.

I really hope you are not insured with E&L but it does sound like them with that excess thing. Good luck!!!
Click to expand...

I think there trying to link his injury with the fencing as there was a severe wound to the side of the pasturn were the fracture was!! But i replyed saying that the field was inclosed with hedge fencing and that he was nowhere near any fencing when the incident occured. He slipped and went over himself, so i dont know weather they can blame the fencing, but i hope not :/ ... I think il give them a ring tomorrow

Thanks
 
Sedgemoor Chaos said:
Sorry to hear about your horse.

Yes, they are separate claims and require different forms to be completed so make sure you have filled in the correct forms. The forms are available on their website to download.
I found that the vet fees were paid quite quickly but it took them nearly 2 months to pay out for Death Of Horse.
I phoned them daily to ask them where my claim was in the process as everyday they said something different. What was quite frustrating that it took them 2 weeks just to sign the cheque!!!
Vet fees are one claim with a min excess of £139 or 17.5% of the final fees.
Death Of Horse is another claim. They take in to account the market value and you may need to prove he was worth what you are claiming for. I had to get a letter from my Farrier. Also they will take off your excess.
They will only pay the disposal if you had taken that out on your policy and isn't included in the Death Of Horse as standard.
Click to expand...

Our vets feescame to 200 then they said they dont pay out for euthanasia (sp) so that was deducted to make it 130!! And yea i had to get a valuation done aswell. When i rang they said we were covered for disposal but it was only 140 so if its separte then we'll not get that back either!!! Oh jeeezzz theses things are complicated!!
 
Disposal should form part of the Death Section so should not have any excess applied to it, it just means say if your disposal costs were £250 you would only be entitled to £140 from the insurer. The rest of the disposal costs you would have to cover yourself.

I know there are some insurers (well i think one actually) who has tried in the past to claim that as fencing was not as per their wording (ie small print) they have tried to use that as a reason for not paying a claim. God knows how if it's not related and personally I find type of fencing is irrelevant, a horse can injure itself on any type of fencing!

Anyway. That's by the by. Good luck with your claim, although I really don't think it should have taken them this long to process it and to settle it. Straightforward claims like this should be dealt with quickly. There is no need for an insurer to drag things out unneccesarily
 
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