Recovery Insurance - Check the small print

[susie2193]

Hi

I am a regular reader on the forum, but a very irregular writer. However I just wanted to pass my experience on to warn others of the holes in Horse Recovery Insurance.

As I travel long distances with my 4X4 and trailer I thought it a good idea to take out recovery for my horse so that if we broke down I knew I could get him home.

Two weeks ago we had an accident on the motorway, not my fault, and the 4X4 and trailer were written off, fortunatly noone was seriously injured and although needing a few stitches my horse was OK. The police dealt with the vehicles and I rang my insurance to take myself, my daughter and horse home. A lorry turned up in less than an hour and took us home. Imagine my horror when a week later I received a bill for £359 because I was covered for breakdown but not accident. At no point during my conversations with the operator at the time did they mention I may not be covered.

I want to warn others, check your policy, I assumed I would be covered, and on top of everything else a bill of this magnitude is the last thing I needed.

 

[terrierliz]

That sounds dreadful, glad that you are all ok though.

Please could you pm me details of who you have your recovery rescue with

 

[Pebble101]

That's one of my worst nightmares. I too would be interested to know who you are with if you don't mind.

 

[NeilM]

If the accident was not your fault, and you have a valid claim for your 4 X 4 and trailer, then you will be able to claim your recovery costs back.

 

[ladyt25]

Yeah if it was not your fault you should be able to claim this back from the 3rd party insurer. It is a case of uninsured loss recovery and shouldn't be a problem to get back as far as i am aware.

 

[BlueCharlie]

glad you are all ok, but surely you should claim this of the other persons insurance as the accident was their fault.

 

[susie2193]

I am claiming off the other insurance, along with a lot of other uninsured losses, getting the bill just came as a bit of a surprise and I wanted to highlight the fact to others that Recovery Insurance doesn't necessarily cover you in the case of an accident. When I get transport back again I will definatly shop arround and get Insurance that covers me for an accident as well.