Oldie insurance - with decent vet fee cover

[COldNag]

Last year I moved our 20 Yr old to Shearwater Insurance as they had an injury only policy with decent vet fee cover (£3k).

Their insurers has now withdrawn and they can't offer me an alternative.

I moved him from petplan because their veteran policy only has £1k vet fees cover.

Anyone with good experience of an alternative insurer?

 

[Widgeon]

Have you tried the KBIS catcstrophe policy - would that be any use? I don't know whether it's available to older horses (mine is only 12) but it must say somewhere in the small print.

https://www.kbis.co.uk/catastrophe-cover/

 

[COldNag]

Thanks @Widgeon I will have a look.

 

[poiuytrewq]

I used insuremyhorse.com
They are underwritten by E&L or the company that used to be.
I absolutely couldn’t have faulted them at the time, a few years ago. At one point I had two separate claims running side by side and they paid to the max with both.

 

[poiuytrewq]

https://www.horse-insurance.co.uk/
Sorry not as above, it was these people!

Edited to say sorry! Just checked and I don’t think they start new policies after 19

 

[Orangehorse]

Veteran cover is usually only external injury type cover over a certain age.

 

[criso]

I have Shearwater's accident only policy too so guess I'll be looking elsewhere come September.

When I was shopping around KBIS compared well and Equesure also gave me a similar quote

 

[Portly]

Ive insured mine with Harry Hall, £3k external injury, not expensive, easy to take out

 

[COldNag]

Thanks all.
Im' with Harry Hall for rider insurance. They won't insure a 20 year old, unfortunately. Will investigate Equisure and KBIS.

 

[maya2008]

Depending on the levels of your savings, you might be better off just putting the premiums in there. If you get cover through a veteran policy (most insurers do these) then check carefully what their definition of ‘external injury’ is - and what is covered.

 

[COldNag]

In case this is helpful for others in the same boat - I got quotes from KBIS - pricey. Animal Friends won't insure anything out on loan.

NFU came up trumps, premium only slightly higher than I was paying through Shearwater, and £3k vets fee cover per incident, £145 excess, so I've gone with them. It's not much more per month than I pay for our other oldie on Petplan where their vets fees cover is £1k.

Edit: I've just double checked, and in fact NFU has worked out cheaper than I was paying Shearwater. So win, win.