Second Viewing and vetting

[Bobthecob15]

Hello,

We had a first viewing on a lovely pony yesterday for my daughter, she ticks all the boxes for us but before we decide whether to go for her or not we are having a second viewing with our instructor who will also have a little ride of her. IF all goes well and we decide to proceed we will need to progress to vetting....im not sure if we need the 5 stage or 2? She had a 5 stage one just over a year ago, we have seen the paperwork and all was fine.

To he honest we may well insure her for less than £5k (her price is a bit more ) really because of the premiums! We did that with the previous horse as we argued that he came with loads of tack and rugs including custom made saddle...so insured him for a bit less than we paid. I know for more than 5k you need a vet certificate....

She's 8, fit and well...or should we just get the 5 stage and insure for more? I'd not bother with loss of use, never have. It's really just for vet fee cover.

Thanks!

 

[Shooting Star]

Always a 5 stage for anything ridden, a lot can happen in the space of a year illness or injury wise so I personally wouldn’t rely on an old vetting.

 

[Bobthecob15]

Always a 5 stage for anything ridden, a lot can happen in the space of a year illness or injury wise so I personally wouldn’t rely on an old vetting.

OK thanks I was thinking for the sake of a few hundred quid its probably worth it x

 

[doodle]

Always have a 5 stage regardless of when the last one was. Horses are good at being fine one day and broken the next. There is a remarkably small amount of coat between the 2 and 5 stage also.

 

[eggs]

For the additional cost I would go for a five stage.

The value of the horse only really comes into it if for some horrible reason you have to claim for death, assuming you are not doing loss of use insurance. If it comes to this then the insurers will only pay out if the death meets BEVA guidelines. You then get into the debate of what is the horse actually worth versus what you have been insuring him/her for.

 

[Flowerofthefen]

Is it 5k?? Thought it was over 10k a vet ert was needed??

 

[Bobthecob15]

Is it 5k?? Thought it was over 10k a vet ert was needed??

5k for a lot of companies

 

[SO1]

5k is the cut off for 5 stage vetting. At 10k you also need x rays for some companies.

Is it 5k?? Thought it was over 10k a vet ert was needed??

 

[Annagain]

I had 5 stage vettings for both Charlie and Wiggy even though I had no intention of insuring. I pay into a savings account instead. It allows you to identify anything that needs a closer look if nothing else. With Charlie it raised an issue about an iridal cyst in his eye - the vet couldn't rule out a melanoma as he was grey - so I had the eye scanned. It was a cyst and it was fine.

Wiggy's was totally clear and as he was a bit older it gave me a lot of confidence that I could just crack on with him.

 

[spacefaer]

I'm not sure you can insure for vets fees based on a 2 stage?

 

[Bobthecob15]

Second viewing went well, vetting tomorrow Fingers crossed!

 

[Sossigpoker]

I'm not sure you can insure for vets fees based on a 2 stage?

Yes you can , I've done that.

 

[Fire sign]

Always have a 5 stage , the difference in cost is minimal

Insurance companies don’t always insist on it but you don’t want to buy a problem

 

[dixie]

Is it 5k?? Thought it was over 10k a vet ert was needed??

It’s over £2k for a few companies now.

 

[ycbm]

Always have a 5 stage , the difference in cost is minimal

Insurance companies don’t always insist on it but you don’t want to buy a problem

On the other hand, if you vet you will not be covered for anything remotely connected to anything that's recorded on the vet certificate. Without a vetting, you are covered unless the company can prove it was pre existing.
.

 

[callybbi]

Good luck for the vetting

 

[Bobthecob15]

Good luck for the vetting

Thank you! All good, we went for 5 stage and she passed

 

[ycbm]

Well we need a photo now then! Congratulations

 

[Bobthecob15]

Well we need a photo now then! Congratulations

Haha she's a pretty girl

 

[SheriffTruman]

Very pretty! Congratulations!

 

[AmyMay]

Oh, she’s just lovely. Congratulations xx

 

[humblepie]

Very smart. Congratulations

 

[Bobthecob15]

Thanks all, collecting on Saturday. I have one very excited daughter

 

[Emilieu]

Very pretty indeed! Congratulations, roll on Saturday!

 

[IrishMilo]

I'm not sure you can insure for vets fees based on a 2 stage?

I've insured for vet's fees and treatment with no vetting before and had 100% of the claim paid back!

 

[Peregrine Falcon]

She's beautiful

 

[IrishMilo]

Haha she's a pretty girl

Gorgeous! What's her breeding, Welsh x something blood?

 

[Bobthecob15]

Gorgeous! What's her breeding, Welsh x something blood?

No she's an Irish Sports Horse

 

[wills_91]

She is an absolute beauty! No wonder your daughter is excited. Hope they have many happy years together.

 

[Errin Paddywack]

Stunning mare.