Okay NFU ins is too expensive - who else is good for youngsters?

[Spyda]

I do not want to pay £301 pa for insuring my yearling valued at £800. I want decent vets fees cover (with excess <£150), death, theft and straying and 3rd party cover. Yearling is simply loafing about at grass for next couple of years so I don't want to pay through the nose.

I covered him with E&L last month but have since cancelled that policy as have heard nothing good of them. My broodmares ARE covered with NFU but I think their premiums are a bit hefty for babies of low value who are simply at grass doing nothing.

Any ideas who else I can try for youngstock cover?

 

[dozzie]

Have you tried Weatherbys? Not sure how they compare but were good to payout when I had a youngster. She came insured with them and I just kept it up.

 

[wonkey_donkey]

Try PETPLAN, they are very good and you can get a quote on line.
Got all mine including a foalie insured with them.

 

[snaffle]

Try South Essex - they do good rates and i think you get cheaper rates from them if you are a bhs member.

www.seib.co.uk ( i think thats their web)

 

[dotty1]

My yearling is insured with PetPlan for £1000 and 5K vets fees and it costs £13.50 a month

 

[measles]

My yearling is insured with NFU and so I'd be interested to hear what others think too.

 

[ladyt25]

Have you shopped around? I would try get some premiums and then go back to NFU and see what they can do. Do you have any other insurances with them and are you claim free?

If you are seen as a 'good customer' you may be able to get them to reduce their premium by getting some competitive quotes elsewhere. You should certainly be entitled to some discount for having more than one horse insured with them. From what I am seeing in the insurance market they do want to keep their good risks so, if you are one you will be in a good position to bargain. They are undercutting many of our premiums I know that much!

 

[Fleur100]

It's your low vet excess that keeps your premiums so high. Try Petplan or Carriage House, both are reputable...

 

[ihatework]

KBIS are good for the babies, I use NFU for anything in work and KBIS for a basic at grass policy

 

[joshuaada]

NFU are very good when you have to make a claim. Also their staff are kind and sympathetic in what is already a stressful situation. I lost my much loved boy with a virus on Boxing Day last year and NFU were great. I don't think my premiums are high. Thank god you swapped from E&L. They are seriously bad news.

 

[Kenzo]

Try Julie Andrews Horse Insurance Brokers, very helpful and efficient service, will find you the best deal from a selection of good reputable insurance companies.

ps...when I was getting quotes for my youngster (guess is depends on the exact age though) but NFU actually came out the 2nd cheapest

 

[Faithkat]

It's the vet's fees cover that hikes up the premium. I've found that the actual sum insured makes very little difference unless you are insuring for some astronomical sum. I would also say that even if your yearling is only "loafing about at grass" he/she could still have an expensive accident so don't skimp on the insurance. My (then) almost 11 month old went through a fence and shredded a front leg (fortunately only superficial but looked horrendous at the time). She spent 5 days in horsepital and then 6 weeks on box rest. NFU were brilliant and paid all the bills without a squeak.

 

[Vicky4567]

A horse valued at £800 is under the minimum premium charged for loss of animal, death etc with NFU and the vets fees and liability cover are "flat rates" so doesn't matter if the horse is at grass or eventing. Hope this helps

 

[Amelia27]

My youngster is with NFU and mine is nowhere near that much, think I pay about £22 per month (£264/year). He is insured for less than his value at £1000. I can't understand why your quote is so much more

 

[Faithkat]

I know, my other yearling is a New Forest and cost me next to nothing to buy BUT I wanted him covered for vet's fees etc so he has a sum insured of £1000 - NFU's minimum, but so what? I know that if the worst happened they would only pay out either the sum insured OR the current market value whichever is the lower figure (this happened to me with a 2 year old). The yearling who damaged her leg is worth shedloads more and the premiums for the two of them are just under £50 a month, and worth every penny for peace of mind. Even though the NF cost me so little to buy, I love him dearly and couldn't bear to have to have him PTS just because I couldn't afford a vet's bill. .

 

[Spyda]

THANKS TO EVERYONE WHO POSTED!

Have opted to go with PetPlan.

Have got him insured for £1500, and as being "At Grass", for £16.19 pcm (£178.18 pa). Policy covers him for £5k vets cover per unrelated incident (w only a £115 excess), £1m TPty & the usual death, theft & straying cover. Was really pleased to find this.