I had my last horse & now my current horse insured with them. I've made two claims. I lost my last horse to a broken leg. They were very helpful & understanding when I rung them at the time & paid out for death & vets fees quickly. A couple of months ago I had my saddle stolen & they also paid out very quickly. I'm really happy with them.
I have used them in the past. Only one claim with a horse we lost to colic and it was handled quickly and sensitively. No problems whatsoever with them.