Public/third party insurance query

[fred's babe]

Hello everyone! I am new to the forum but I hope someone can give me some advice.

Has anyone made a claim on someones equine third party/public liability insurance or had a claim made against them? If so, how did they decide who was liable & was there any problems in doing so?
Its just that Im in the middle of a long complicated claim against my previous yard owner and have just found out that Im probably not entitled to legal aid, so if I lose the case I may end up having to pay legal fees of £20,000- £30,000!

Would really like to hear from anyone who has been in a similar situation, thanks!

 

[BigRed]

Generally speaking, if you have third party insurance, it means that you are insured in case your horse damages someone's property in some way. ie, your horse escaped and trashed a car, or someone's garden.

 

[Lizzie66]

How much is your claim for ? As if it is less than £5k you might be able to claim in Small Claims Court in which case I beleive they don't award Legal Fees.
Also check your houshold insurance as that might cover you for Legal Costs.

 

[a_e_d]

Hi - PM me the details if you like, I work in insurance (Claims Adjuster) and I can try to help