Sellers, vetting and insurance?

[mandwhy]

Hello

Just wondering, I feel like I'm being paranoid about sellers wanting to avoid vettings? They seem kind of put off when I tell them I would get one for insurance purposes and is the horse likely to pass and do they have any concerns about it.

The latest one says the horse will not pass as she is not fit enough (I assume as in aerobic fitness) but I didn't think that was an issue? Do you think it is possible she doesn't understand what the vetting involves, or maybe I don't understand it, or is it more likely she is wanting to hide something? I asked about health and soundness and she said the horse was hardy and sound in the same paragraph so I was a bit confused by that.

Also, you know when you get insurance, sometimes they want a vetting certificate, if you give one and there are any concerns on it, does that mean the horse can still be insured, just not for that one thing (e.g. previous injury)?

Also, when I got a quote it said about a vetting cert for horses up to the value of £2500 - this is my top budget so horse will likely be under, so does that mean I don't need a vetting cert (will probably get one for myself anyway) and if so would the horse still be fully insured?

Sorry, this buying malarkey is a lot more complicated than it looks!

 

[Miss L Toe]

For the definitive answer, ask your vet about his vetting protocols, anyone vendor who says the horse is not fit enough to pass must be viewed with suspicion, that may be her honest opinion, or it may be that the horse is not "fit for purpose" and will not pass the vet.
I had a mare vetted [ I was the vendor] and actually encouraged them to vet her [silly I suppose, but I wanted them to insure her], she was not very fit, and the ground conditions were icy, so it took quite a few short canters up a field for the vet to pass her, but he did.
Most horses can be lunged to raise the heart rate and allow the vet to assess the wind.

 

[Bernster]

Sorry you are not having much fun with this lately! Being open to a vetting says a lot to me and most sellers wouldn't be surprised. Or I'd be suspicious! For around 2k my vet said it was more debatable but over that a vetting was advisable. I'd always get one no matter what value. Ins co rules differ but some do have a threshold where you have to get vetting.

If they pass the insurance co could still exclude things that came up although you could challenge that. People have had exclusions taken off eg after a year when hasn't showed any signs of whatever it was. But it varies.

 

[mandwhy]

Thanks to you both I was a bit suspicious too but I thought it might be me being too sceptical!

Even if the horse was £500 I'd still get it vetted I think! The main reason I want the vetting is for my own peace of mind

Sigh, I am not having much luck with it Bernster! I have not even been to view one horse! Not one! I keep thinking 'right, the horse seems to be what I want, now I'll just arrange a viewing, oh and better mention I will want a vetting and... oh.'

It's not even like my requirements are that strict, just want one over 16hh that will pass a vetting, be able to live out if needed, general all rounder for hacking and low level local things! I don't even need it to be bombproof, I don't mind if it needs a bit of work, just a healthy blank canvas will do!

Also what is with people not liking email? You advertise on the internet what is wrong with internet correspondence? I suppose it is fair enough I just hate talking on the phone (especially with my bad signal) and forget all my important list of questions!

 

[be positive]

You probably do not need a vetting done for insurance purposes but you are taking a risk of the insurance not paying out if you bought a horse that quickly became unsound for some reason, the insurance will often refuse to pay if they feel the horse has had the condition for some time.

If you get a horse vetted the certificate should be forwarded to the insurance company, if something shows up they may exclude but if you withhold information on a condition that later needs treatment that you claim on that would potentially be fraud.

A horse does not need to be fit to be vetted, it needs to be fit for purpose something entirely different, if a seller does not want you to get a horse vetted there will be a reason for this, WALK AWAY.

 

[mandwhy]

Thanks for clarifying be positive looks like it's back to the drawing board!

I have kind of been avoiding TBs, I think I might have to open my mind a little bit for my budget if I can find a chunky-ish one, as it seems all of the others are too good to be true!

 

[Bernster]

Thanks to you both I was a bit suspicious too but I thought it might be me being too sceptical!

Even if the horse was £500 I'd still get it vetted I think! The main reason I want the vetting is for my own peace of mind

Sigh, I am not having much luck with it Bernster! I have not even been to view one horse! Not one! I keep thinking 'right, the horse seems to be what I want, now I'll just arrange a viewing, oh and better mention I will want a vetting and... oh.'

It's not even like my requirements are that strict, just want one over 16hh that will pass a vetting, be able to live out if needed, general all rounder for hacking and low level local things! I don't even need it to be bombproof, I don't mind if it needs a bit of work, just a healthy blank canvas will do!

Also what is with people not liking email? You advertise on the internet what is wrong with internet correspondence? I suppose it is fair enough I just hate talking on the phone (especially with my bad signal) and forget all my important list of questions!

It's not a very difficult list at all ! You might find that in your price tag there are horses that are going cheap due to issues though and the sellers might be hoping they won't get vetted. Sad if that is the case but there are enough tales on here to show there are some dodgy folk about.

But there are plenty who aren't I hope. Maybe I'm too optimistic! Stick to it, the mpickier you are the more likely you are to find one that really suits. I know it seems like a long process but owning horses is long term and expensive so def better to do it right at the beginning. Or try to anyway , never any guarantees!

I tend to send emails first of all and didn't always get a reply. I totally agree with you on the online thing though. I don't always want to have a long chin wag at the start. There are some basic things you can put in an email, photos etc which I would do if I was selling.

Anyway stick to it chuck. I have a good feeling ...