Pet Plan & Mental Illness

Nugget La Poneh

Nugget La Poneh

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Just looking to renew Poneh's insurance so looking around and on the first screen for Pet Plan its says that by ticking the box to continue you are agreeing 'You, or anyone who rides the horse, does not suffer from a physical or mental illness or disability'. You then have to call them to get a quote (and I am assuming pay extra as there is deemed to be extra loading on the policy).

My question is how being physically or mentally impaired should be an issue in regards to insuring your horse? I suffer from clinical depression so I assume I am supposed to declare this? My feeling is as it doesn't impact on the horse in anyway (I still care for him etc) I can't see what impact it would have?

Can someone explain?

:)
 
Because it could be classed as a disability - which could affect the premiums and/or competency of the person riding.
 
I insured with Petplan. They just made a note of my condition and asked for a Dr letter (I declined to provide) as to how it affects me.

The premium was no more expensive.
 
Nugget La Poneh said:
Just looking to renew Poneh's insurance so looking around and on the first screen for Pet Plan its says that by ticking the box to continue you are agreeing 'You, or anyone who rides the horse, does not suffer from a physical or mental illness or disability'. You then have to call them to get a quote (and I am assuming pay extra as there is deemed to be extra loading on the policy).

My question is how being physically or mentally impaired should be an issue in regards to insuring your horse? I suffer from clinical depression so I assume I am supposed to declare this? My feeling is as it doesn't impact on the horse in anyway (I still care for him etc) I can't see what impact it would have?

Can someone explain?

:)
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Insurance is based on a contract of "utmost good faith" in which the insured party is under a continuing obligation to disclose any information that might affect the policy. Regardless of whether you think it is relevant or not, if the contract requires you to disclose a mental illness then you must do so. Otherwise you will risk the policy being declared void in the future.
 
Darremi said:
Insurance is based on a contract of "utmost good faith" in which the insured party is under a continuing obligation to disclose any information that might affect the policy. Regardless of whether you think it is relevant or not, if the contract requires you to disclose a mental illness then you must do so. Otherwise you will risk the policy being declared void in the future.
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I understand that, but was just surprised it made a mention, especially when a car insurance policy doesn't for instance.
 
If you were going to insure under the rider plan or take out the personal injury plan as part of your horses insurance policy they would need to know if there were any illnesses (including mental) or injuries that could affect the policy. So if you had a riding accident and couldn't work, they would need to know if there may be any other factors which may also affect your ability to work, or any factors that may affect riding in general, i.e. you have an injury where your doctor has recommended you do not ride.
 
Elbie said:
If you were going to insure under the rider plan or take out the personal injury plan as part of your horses insurance policy they would need to know if there were any illnesses (including mental) or injuries that could affect the policy. So if you had a riding accident and couldn't work, they would need to know if there may be any other factors which may also affect your ability to work, or any factors that may affect riding in general, i.e. you have an injury where your doctor has recommended you do not ride.
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Ah, that makes more sense :)
 
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