Potential sticky? How to ensure you have proper Insurance cover?

[Luci07]

I thought this could be quite helpful, largely based on Warmbloods experience of not being paid out on tack, despite have tack approved locks. This is not meant to be a complaint about the different insurance companies, just if we can put a list together so people will know what to check their policies for. I do read mine carefully now but having someone point out some of the Gotchas can be very helpful!

So to kick off. Petplan and tack. You need to have 5 mortar lever lock on your tackroom or you are not covered. Check what your policy states. Some say "not in a public yard", (define public) others say that the tackroom must be brick built.

Tack/rugs away at shows. Again check this. 1. you could be covered on your household insurance 2. you may only be covered for tack/rugs that were in locked car/lorry. Not if you were distracted and someone stole it when you doing something else.

Personal insurance. E.g NFU. My horses insurance covers me for any damage my horses may cause. It does NOT cover the riders (with the exception of myself).

Veteran. Again NFU. My veteran insurance covers me for external injuries for vet cover, not internal.

I am sure we can add to this but think this would be really helpful. I have also given NFU the tack stamp numbers of my saddles as well and chip number on my trailer.

 

[happy_talk]

Following on from tack - some companies specify a limit of the number of horses at the yard. With increased numbers, an alarm system may be required.

Vet fees - the partitioning of "complementary treatment" varies- some companies limit to £500, others £1000, and I believe NFU include it within the total vet fees. Is transport to a vet hospital included- and if so, which money pot does this come from- vet fees, or comp. treatment?

Competition levels also differ between companies- you may end up in a higher class for one company than another.

 

[Luci07]

oh thats a good one and has reminded me as well based on another posters poor experiences. Check your cover if your horse needs to be put down. For "disposal" and "PTS", this now seems to easily be in excess of £600 and again, some people have thought they had complete cover only to find they not only lost their horse but also had an unexpected bill as well.