Vettings and Insurance

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kikiD

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29 November 2008
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I know this is really dishonest but do you have to disclose to the insurance company that you have had a horse vetted?

The reason I ask is that I get my new horse tomorrow (yay!) but the insurance company I rang said that because I had a 5stage vetting carried out they cant insure her until monday at the earliest as they need to see a copy of the vetting certificate, if I didnt get her vetted though by the sounds of it I could have insured her there and then (purchasing her for £2600).
Im just worried about her being uninsured for a few days.

Any opinions welcomed.
 
Well, all I will say is that one of my horses is insured although they didn't ask if I had her vetted or to see a cert. As it happens, she did pass a 5 stage with flying colours, but nonetheless....
 
I don't know what company this is (I have a feeling it's NFU or Petplan from what I recall from a similar post) but this is THE most ridiculous 'rule' I have come across and that is from working in equine insurance for 7 years! IF your horse fell in to the criteria that required a vetting to have been done then the NORMAL approach by an insurer is to insure the horse from the day you want it to be insured from but would exclude illness/disease etc until you had provided the required vet cert. However, the other covers (liability, death by accident, vets fees - due to accident, theft etc) would be covered straight away.

If your horse does not fall into the criteria where a vet cert would be needed but you just happen to have said you have had one done then the insurer (a) have no right to ask you to provide a copy (they may well ask for a copy should there be a claim down the line and (b) should not be able to postpone cover until you have provided it. That is not 'treating customers fairly' I would go back to them and tell them it isn't treating customers fairly (we - that is insurance peeps - have all had to do a load of training on treating customers fairly which is something laid down by the FSA).

It is the most ridiculous thing I have heard an insurance company doing to be honest. What about liability cover, what if (god forbid) your horse escaped and was hit by a car etc. Personally I would go with another insurer to avoid these issues and ensure you are covered from the outset!
 
when I insured mine they wanted 2weeks!!! to consider if they would cover him with a vetting certificate but would cover him that day without so I went for without evan tho he passed and this is a reputable company aswell
 
ladyt25 said:
I don't know what company this is (I have a feeling it's NFU or Petplan from what I recall from a similar post) but this is THE most ridiculous 'rule' I have come across and that is from working in equine insurance for 7 years! IF your horse fell in to the criteria that required a vetting to have been done then the NORMAL approach by an insurer is to insure the horse from the day you want it to be insured from but would exclude illness/disease etc until you had provided the required vet cert. However, the other covers (liability, death by accident, vets fees - due to accident, theft etc) would be covered straight away.

If your horse does not fall into the criteria where a vet cert would be needed but you just happen to have said you have had one done then the insurer (a) have no right to ask you to provide a copy (they may well ask for a copy should there be a claim down the line and (b) should not be able to postpone cover until you have provided it. That is not 'treating customers fairly' I would go back to them and tell them it isn't treating customers fairly (we - that is insurance peeps - have all had to do a load of training on treating customers fairly which is something laid down by the FSA).

It is the most ridiculous thing I have heard an insurance company doing to be honest. What about liability cover, what if (god forbid) your horse escaped and was hit by a car etc. Personally I would go with another insurer to avoid these issues and ensure you are covered from the outset!
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See, that's what I thought. I assumed it would be a bit like car insurance, you say you have so many years no claims and then you are given a certain amount of time to send in proof.

Being on a busy livery yard, the liability cover is a concern especially as the horse will be unsettled after the move.
 
Coud you perhaps not bring her to the yard until she is fully covered?
You don't want to be forking out a lot of money due to the fact the insurance hasn't come through yet.

My friend bought a new horse for about 50k the next day jumped out the field and go thit by a car and they weren't insured yet so they had to pay out for new horse and damage done to driver and the car itself. Luckily they were the type of people to have that money to spend.
 
I made a thread about this obscene rule a couple of months ago!

I'm with the NFU.... and they did let me in to a loophole!! (after a LONG discussion on the phone) If you ring and insure the horse BEFORE the vetting, you do not have to give them the vet certificate for them to insure, as at the time the policy was taken out the horse hadn't been vetted. Then if the horse fails (fingers crossed it doesn't!) you just ring and cancel the policy.
 
ridiculous! when i bought my last 2 horses i just phoned up KBIS and they insured me on the spot. i had to post in the vetting certificate before they would send out the official certificate (complete with a million exclusions for all the little things the vet found on the vetting) but i had insurance for accidents from the word go (they always withold illness cover for 1st 14days)
 
star said:
ridiculous! when i bought my last 2 horses i just phoned up KBIS and they insured me on the spot. i had to post in the vetting certificate before they would send out the official certificate (complete with a million exclusions for all the little things the vet found on the vetting) but i had insurance for accidents from the word go (they always withold illness cover for 1st 14days)
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Mmmm, that's what I thought I'd done - only being supernervous I asked the vet to fax the cert through because he was a few minutes from his office and I was several hours from home (I was taking horse home that day if vetting successful) I rang them to check that all was ok before loading the horse.

When she injured herself seriously in a field accident 13 days later they told me she was covered, then denied they had the vet cert, then when I sent it again they said they couldn't cover her and a policy had never been in force. Although she has recovered they still won't cover her.
 
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