Loss of Use?

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sammyj25

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Please dont shout me down with this one! if you had a horse who you were pretty sure it had something wrong with it and your insurance was up for renewal. Would you insure it for loss of use before going down the vet route as a precaution. thank you
 
Yes ... isn't that what insurance is there for?
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but wiht some insurance they may class that as pre exsiting as the condition was noticed before the lou was placed on the policy, sorry just wanted you to know that what sometimes happens
 
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but wiht some insurance they may class that as pre exsiting as the condition was noticed before the lou was placed on the policy, sorry just wanted you to know that what sometimes happens

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Surely not if it hasn't been diagnosed and/or treated ?
 
only because you noticed that there was somthing not right before lou was added,

so say the onsetdate was 2-4-09 and you added the lou on 7-5-09 this is preexsiting
 
I definetaly would but wouldn't claim for loss of use as soon as you update as they may get suspicious its about time insurance policys pay out IMO
 
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only because you noticed that there was somthing not right before lou was added,

so say the onsetdate was 2-4-09 and you added the lou on 7-5-09 this is preexsiting

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who's to know...only you...i wouldn't declare it...play ignorant.

different it it was on record with a vet.... everone bends the rules a little where they can.
 
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only because you noticed that there was somthing not right before lou was added,

so say the onsetdate was 2-4-09 and you added the lou on 7-5-09 this is preexsiting

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who's to know...only you...i wouldn't declare it...play ignorant.

different it it was on record with a vet.... everone bends the rules a little where they can.

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lol true true x
 
An insurance contract is a contract of utmost good faith - they base their decision to insure (or not) and premiums based on the information you give them. If it were found that there was something wrong (pre-existing to the start of the contract) and it wasn't mentioned, they could refuse to pay up in the event of a claim - it may make the whole contract null and void.
 
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An insurance contract is a contract of utmost good faith - they base their decision to insure (or not) and premiums based on the information you give them. If it were found that there was something wrong (pre-existing to the start of the contract) and it wasn't mentioned, they could refuse to pay up in the event of a claim - it may make the whole contract null and void.

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But my horse had Nav before .. and they are still paying
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It was a pre-existing condition that we just didn't know about
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Oh I hate insurance .. far too confusing
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They didn't know about it and nor did you - nor did you suspect it
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Dizzy's pelvis may well have been pre-existing, but if it was, no-body knew - the insurance company paid out. If I had suspected that there was an issue and didn't tell them, then insured for and got LOU (for example), but the insurance company then found out that I had had good reason to believe there was an issue, they could claim the money back
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usually they would just refuse to pay anymor claims resulting to that illnes or injury, if i was found out that the condition is re exsiting
 
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