if you buy a horse for a specific purpose e.g showing and then your horse was scarred therefore it is no longer fit for the purpose you bought it for then it would be worth paying the extra and it is considerably more. wether they pay out or not i dont know but i have been told nfu are one of the better ones for paying up. hope this helps
you need to read the small print then the tiny print and LOU only pays a persentage of market value ont insured value!!!!!!!!!!!!!! but they are very happy to take your extra premium and argur the toss later
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