NFU any good for insurance

[juliette1968]

Just sorting out insurance for today if vetting goes OK and have had a quote for £60 month with NFU who have office near me. This is 5K vets fees, 5k value but doesn't include loss of use or tack or public liability. I have got BHS Gold membership for my daughter and assume the public liability with that will be OK. I have found a couple of cheaper online quotes - about £50 (that include 1K tack) but quite like the idea of being able to go into the office if there's a problem. Are NFU good and worth the bit extra and should I add on tack. The NFU lady mentioned that tack might be covered under personal effects in my home insurance anyway.

 

[MaxboleyBlack]

They are brilliant - always paid out. I have my dogs insured with them too. I have added the extras tack & loss of use. I have never had a problem with them they deal directly with my vets with payments etc. My dog had a dental and had to have two teeth out and they even paid out for that which insurance doesn't usually cover.

 

[outdoor girl]

We've had several horses insured with NFU and found them great. Never had a problem with them paying out for vets fees and they even told us to claim for the loss of a horse which had Cushings related laminitis which we couldn't get under control. We don't insure our tack with them because it's kept at home and covered under the house insurance.

 

[HappyHollyDays]

They are brilliant, more expensive than some are but you get what you pay for. My Connie has had two claims in the last two years and they have paid up without so much of a quibble. They also deal with the vets directly and have paid all the invoices without me having to do anything.

 

[Shay]

Careful you don't double up. You can cover your tack all risks under your house insurance. Who are also far less likely to be fussy about where you keep it, what locks you use etc.

 

[AmyMay]

I’ve always been with NFU and they’ve been brilliant for any claim I’ve made.

 

[magicmoments]

Yes, they were great for me, paid out without a quibble on 3 claims.

 

[Orangehorse]

I used NFU and they paid up when I made a claim. Of course, everyone rants and raves about insurance companies and how they exclude conditions, wiggle out of claims, etc. but they are there to cover the unexpected.

 

[HelenBack]

They've always been great with me too and have paid the vets directly for everything with no questions asked. Their staff are really helpful on the phone and one was very nice when I accidentally burst into tears on her one time! I actually found them cheaper than the other companies when I was initially shopping around but I'd stick with them anyway now because of the good service I've always had.

 

[splashgirl45]

i used to use nfu and found they were very good and paid up promptly/, i would be very careful with tack insurance, i had my tack stolen in 2016 and thought i was covered on my house insurance as i had cover for items away from home, BUT they didnt cover tack unless i kept it at home all of the time when i wasnt riding. i kept mine at the yard with good locks and owner on site and i also had a crime number but they wouldnt shift so i then kept my tack at home which was a real pain but i couldnt risk losing my new stuff..

 

[Sasana Skye]

I have my horse, trailer and some tack with NFU always paid out no questions asked.
My tack costs about £20 a year to insure and they haven't decreased the market value by much over the years. Touch wood never had my saddle stolen so can't comment on whether they pay out for it or not. They didn't ask for special locks or alarmed tack room etc. I just told them exactly how my tack is stored (at yard, no tack room) and they said OK and gave me a price.

 

[Hormonal Filly]

Brilliant insurer.

Have claimed twice within a year, paid out without a single question. Think we are at about £8000. What I love most is no claim forms, its just a few questions over the phone and then they contact the vets direct.

 

[hopscotch bandit]

Never had any issues with them, in fact at one time because they were a mutual company on renewal they used to give you a 'mutual bonus discount' which was brilliant. And then costs went up with the progress of sophisticated diagnostics and medical developments and these had a dramatic impact on insurance premiums. That's why I started shopping around. I usually do this with the car (using a comparison website) but sadly I don't think there is such a thing for horse insurance.

I would recommend that you ask questions like "is hospitalisation covered under vet bills?" and if you have any additional cost involved if you decided to pay monthly instead of yearly. It is usually much cheaper if you purchase online so make sure you ask any questions or get any queries answered before you go ahead and buy.

Years ago you had to pay for different classes of use, so going to a riding club event was in a cheaper bracket than going eventing at a non riding club event or going hunting/team chasing which obviously hold greater risk to both rider and horse. So its worth being honest with yourself and establishing what you are going to compete and at what level before purchasing insurance.

 

[criso]

I was with NFU for years however several stress free claims later, my premiums were pushing 4 figures and I didn't go with them for my new horse.
One of the things they don't do is have different levels of excess, their excess is very low but all one level. I have found one way to keep premiums down, it to opt for a higher excess.

Definitely recommend them though.