reasonable insurance quotes?

[dottylottie]

who is the most reasonably priced insurance for horses?

lily is with insurance emporium, but i’m not entirely happy with them and the 17% excess is putting me off insuring the new girl with them. they’re cheap, but they take forever to get back to you and altogether it hasn’t been very straightforward dealing with them.

NFU won’t touch me because i’ve claimed in the last 3 years for lily, so they’re not an option.

everyone else just seems to be extortionate prices! - petplan, SEIB and KBIS etc.

are there any others i maybe haven’t heard of?

i’ll definitely be insuring her, i don’t want to self insure because it gives me peace of mind, but i also don’t want to pay thousands a year for a little welsh pony doing low level stuff haha

 

[Barton Bounty]

E & L for me

 

[Nasicus]

I'm with https://britishpetinsurance.co.uk/ this year, they were the most reasonable price for the cover.
I can't comment on how they are to claim with etc, although my vets told me they've dealt with them before and they were fine in that regard.

 

[AShetlandBitMeOnce]

E&L (who underwrite insurance emporium I am pretty sure) used to get a bad rap - but I had no issues with them and they were very prompt and easy to deal with in a claim they could have wiggled out of if they really wanted to (lymphangitis when previous history for cellulitis) - so I would recommend seeing what they will offer

 

[fiestiemaestie]

Aviva do lifetime. It’s cheap as you pay 25% co pay but will cover you ongoing

 

[Nasicus]

Aviva do lifetime. It’s cheap as you pay 25% co pay but will cover you ongoing

For horses?!

 

[RachelFerd]

I'm with Agria on the lifetime cover now - up to £10k per year on vets bills, but it is a 25% co pay - but no exclusions

 

[Dontforgetaboutme]

Pet plan increased my policy by £100 but my pony is now 12. No claims in last 3 years big think insurance is going up across the board so was glad was only 20% increase and couldn’t get better deal. I do wonder if people claim more as they are spending more on premiums.

 

[Melody Grey]

I'm with Agria on the lifetime cover now - up to £10k per year on vets bills, but it is a 25% co pay - but no exclusions

I haven’t heard of this but might be interested as an alternative to my catastrophe cover which has exclusions are the premiums reasonable if you don’t mind my asking?

 

[AShetlandBitMeOnce]

I haven’t heard of this but might be interested as an alternative to my catastrophe cover which has exclusions are the premiums reasonable if you don’t mind my asking?

I did a quick quote and it was £49 a month for low level stuff on a youngster

 

[Barton Bounty]

Thats not bad, im £63 a month and had only one claim in 8 years

 

[Widgeon]

I do wonder if people claim more as they are spending more on premiums.

Personally I think the problem is that a) there's absolutely no reward for NOT claiming (it'll still be an exclusion), and b) the time limit issue with insurance incentives owners and vets to go in with all the treatments ASAP, when actually a more conservative approach might have sorted the problem.

Lower premiums and a 25% co-pay sound attractive to me; my excess is £500 as it is, and so far my claims seem to be a couple of thousand tops. Worth thinking about.

 

[Fieldlife]

I'm with Agria on the lifetime cover now - up to £10k per year on vets bills, but it is a 25% co pay - but no exclusions

I have just run through a quote with them.

It does specify anything that occurred before the policy started is excluded. So we might have back and 3 legs excluded, depends how they reviewed history.

I think the no exclusions is once on the policy and up an running.

It is 25% co pay plus a fixed excess. So with a £300 fixed excess, cover up to £10 a year, and group 5 (dressage elementary upwards) is £67 a month for us.

But if had a £2.5K bill, I would pay the £850 (excess and 25% after excess) and they would pay £1,350

But I am then paying £804 a year in premiums too.

But if I had big bills might be useful. Hmmmm

 

[WBGG]

Another vote for British Pet Insurance. They were easy to deal with and paid promptly for my mare's treatment (circa 8k worth) with no quibbles. They were also quite competitive. Good luck!

 

[RachelFerd]

I haven’t heard of this but might be interested as an alternative to my catastrophe cover which has exclusions are the premiums reasonable if you don’t mind my asking?

Premiums are reasonable - pre existing conditions are excluded, but conditions that are claimed for aren't, if that makes sense.

 

[Fieldlife]

Premiums are reasonable - pre existing conditions are excluded, but conditions that are claimed for aren't, if that makes sense.

Which of those is e.g. a bone chip being removed from a joint, no joint damage, horse sound and competing since?

 

[blodwyn1]

I use carriage house insurance for my section c mare they are very good.

 

[fiestiemaestie]

For horses?!

Agria not Aviva

 

[Jacksie]

This is only my personal experience, I’m sure it’s not necessarily the case for all - I used to be with PetPlan and found them brilliant at paying out promptly and without fuss. I’m now with SEIB with different horses as the premium was cheaper than PetPlan and I have found them to be difficult and petty. I’ve been made to feel as though they don’t trust anything I say and it’s been like getting blood out of a stone. I won’t be renewing with them. My advice is not to go for the cheapest premium but the company you feel most confident in.

 

[dottylottie]

thankyou everyone! i’ve just decided to insure the new pony with insurance emporium, it’s just a pain that they take over 2 weeks on average to respond to claims!

 

[Widgeon]

My advice is not to go for the cheapest premium but the company you feel most confident in.

Yes I agree with this....I'm with Scottish Equestrian and they've been entirely straightforward to deal with so far. They're not too bad price wise - I pay £62pm for horse and trailer insurance - and they are helpful on the phone and quick to pay out.

 

[RachelFerd]

Which of those is e.g. a bone chip being removed from a joint, no joint damage, horse sound and competing since?

You'd have to ring them and speak to them about something like that - quite possible they won't exclude if enough time has passed and your vets are content. I put my young horse with them who has no significant veterinary history, and they didn't exclude anything for the minor stuff that was on his record (eg. abscesses and lameness after a kick in the field). My premiums are now considerably cheaper than they were with Petplan too. I've left the older horse on Petplan because he has lots of vet history and its easier to leave him where he is.

 

[Nasicus]

Agria not Aviva

Blimey, first company I've seen doing lifetime cover for horses!
Monthly cost seems quite sensible, but then you pay a fixed excess + 25% on top of that, worth bearing in mind.

 

[maya2008]

Interesting about NFU. How many years does it have to be without a claim before they will insure?