Is BD insurance cover alone adequate?

dressager

dressager

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I know there's been a lot of insurance questions on here lately but I have really had enough of Shearwater refusing to pay me back nearly 4 grand and putting the symptoms down to "behavioural causes which are not covered by the policy", when they clearly were NOT behavioural and nowhere in the vets report does it say that they were! Grrr I will be writing a letter back very soon. Anyway...

I am a British Dressage member and I know they provide public liability insurance. Is this on its own adequate? If I cancel my Shearwater one I'm guessing the BD one is the barebones minimum I should have for my horse? Just wanted to double check.
 
I cancelled my insurance this year because I don't really think it's worth shelling out nearly £800 a year for £3500 of cover with a high excess. I have never made a claim, but as you've said I bet that if I ever needed to I'd come up against problems. I think all the insurance companies are getting more tricky over claims.

Instead I have joined the BHS. As long as you have a reasonable level of public liability insurance and you're prepared to take the rough with the smooth otherwise it should be quite adequate I think.
 
Thanks for the advice. I just can't believe the insurance won't even pay out and I've been paying them a £1000/year... wish I'd just saved the money and I'd be better off right now.
 
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