Loss of use

Adoni123

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Joined
2 July 2020
Messages
129
That's interesting to know thanks Equi.

I'm not going to bother leadhorse, just buying myself a £7k horse but my insurance is looking at £200 a month. £40 for vet and public liability cover so going with that as I don't like surprise vet bills!
 
Joined
10 March 2021
Messages
16
That's interesting to know thanks Equi.

I'm not going to bother leadhorse, just buying myself a £7k horse but my insurance is looking at £200 a month. £40 for vet and public liability cover so going with that as I don't like surprise vet bills!
Yes I'm insuring for vets bills etc just torn with the Lou part as it's something my family has always had but the horse is only a low level horse and will only go to a few local shows
 

Adoni123

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Joined
2 July 2020
Messages
129
I've never heard of anyone getting money back for loss of use and neither has Equi it seems, must be quite hard to prove unless you've got a big fancy showjumper than can no longer jump etc...
It may be hard for you to prove that you can no longer do low level stuff I guess, I'm only planning low level stuff too so just not going to bother! :)
 
Joined
10 March 2021
Messages
16
I've never heard of anyone getting money back for loss of use and neither has Equi it seems, must be quite hard to prove unless you've got a big fancy showjumper than can no longer jump etc...
It may be hard for you to prove that you can no longer do low level stuff I guess, I'm only planning low level stuff too so just not going to bother! :)
Yeah my relative has a sj and got Lou due to it not being able to do the heights anymore
 

Ossy2

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Joined
25 October 2018
Messages
201
I’ve had 2 horses be paid out on for LOU, for me it’s well worth it. I still have the money in the bank from the LOU claim for an experienced eventer but replaced with a younger horse.
 

ycbm

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Joined
30 January 2015
Messages
38,827
E&L paid out lou on a friend's mare last year for neck arthritis. They took her vet's word for it that the horse was unrideable. The horse was insured for low level dressage and hacking.
.
 

dorsetladette

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Joined
22 April 2014
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1,525
Location
Sunny Dorset
I always have and was glad I did with my old lad. I had him PTS after a kick in the field broke his shoulder. As he was visible/external injuries only due to his age, the LOU paid for his vets bill and cremation costs.
 

dixie

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Joined
11 August 2005
Messages
4,320
Location
Devon
I paid for loss of use on a mare I bought. She was with a dealer who had just imported her from Holland and therefore no history. NFU paid out within a few months as she ended up being diagnosed with kissing spine.
I only paid £3500 for her and got back £3k and ended up only paying 3 months premiums. So well worth out on that case.
This was about 12yrs ago and the premium was around £75pm.

however nowadays I wouldn’t actually bother, if I could research the horse and I can afford to replace anyway.
 
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