Should I cancel my Insurance

[Santa’s Irish draught]

My insurance doesn’t cover vet bills it only covers her death and 3 party it literally covers nothing else.

 

[splashgirl45]

3rd party is essential IMO, why not join the BHS as a gold member instead, that should be cheaper

 

[mariew]

I'd say you need 3rd party somehow if not through your horse insurer.

 

[Prancerpoos]

As above, join the BHS for the third party insurance.

 

[pistolpete]

Or world horse welfare. They have an insurance available.

 

[Lady Jane]

I have BHS Gold to cover my horses. One is only 8 but pretty well uninsurable for vets bills (I could do KBIS catastrophe) and the other is 17 with fore leg exclusions and his skin excluded. I wouldn't under take colic surgery on either of them so decided to just have public liability

 

[Red-1]

I did WHW, it was cheaper than BHS.

 

[hobo]

If you have household insurance it may cover third party for pets.

 

[Equi]

Depends what you want. I just got mortality and disposal cover for my new boy cause I can’t afford to throw the money I paid for him down the drain if he somehow died in the next year, but I can cover vet bills to a point. Being as it took so long to save for that it felt right. I have bhs gold for 3rd party.

 

[Santa’s Irish draught]

Tks everyone I will definitely look into what you have suggested. reason I want to cancel it is because it gone up massive

 

[Equi]

Who are you with? Mine was 280 with kbis

 

[Birker2020]

My insurance doesn’t cover vet bills it only covers her death and 3 party it literally covers nothing else.

I gave up my insurance when they put six exclusions on the policy.

When I rang up to cancel it on renewal the girl said she could take two exclusions off. So I asked if she'd take the spavin and colic off, neither of which she thought the underwriters would so I cancelled it and went BHS Gold like Splashgirl said.

It just goes to show that if they can just take off two exclusions at the drop of a hat its all a bit of a farce.