Loss of use, fighting the valuation?

[ducktails]

Ok so its been a long road but my insurance company have finally accepted liability for loss of use on my mare..

Horse is insured with one of the major companies and was only purchased a year and a half ago for 5k this is also what she is insured for. They have just offered me £2,200 of which I get 60%. Horse is relatively unproven, but was only in work for 6 months before injury. She has good breeding, is a good stamp of a horse which is definately worth more than what they are offering. Does anyone have any idea of the best way to fight this, I feel like it is a proper kick in the teeth as that amount barely covers my excesses and would definately be no where near enough to get another :O(

x

 

[3DE]

That's dreadful! I'm a complete novice to that sort of thing but why do you only get 60% of the offer?

 

[millitiger]

can you get your trainer to write a letter about her value and look in H&H for adverts for similar horses?

Send that to the insurance company by recorded delivery stating why your mare was worth more that the offer made.

 

[soulfull]

Echo this

 

[amage]

This is what you would essentially call their opening offer. Treat it as if you are buying a horse and haggle. I would get a respected professionals valuation and go from there.