piebaldsparkle
Well-Known Member
Another liveries horse broke his leg in December and had to be PTS. Now her insurance company have said they won't pay out as he didn't have a passport. So be warned anyone who hasn't got one.
Warning passports/insurance
- Thread starter piebaldsparkle
- Start date
Maesfen
Extremely Old Nag!
Isn't that typical of an insurance company; talk about kicking you when you are down?!
Sorry as I am about her horse, I must admit to being a bit of a goodytwoshoes neurotic about passports! They've been law now for 3 - 4 years so anyone who hasn't got one for their horse by now only have themselves to blame I think but I also have to ask, what difference to the IC does it make? She's paid her premiums for a service that they're not delivering. The only way non-payment should be allowed is if it is in their terms and conditions that each horse must have a passport which should have warned her when she took the policy out.
Sorry as I am about her horse, I must admit to being a bit of a goodytwoshoes neurotic about passports! They've been law now for 3 - 4 years so anyone who hasn't got one for their horse by now only have themselves to blame I think but I also have to ask, what difference to the IC does it make? She's paid her premiums for a service that they're not delivering. The only way non-payment should be allowed is if it is in their terms and conditions that each horse must have a passport which should have warned her when she took the policy out.
Thistle
Well-Known Member
Did it say in the small print that he needed one?
It is a condition of insurance that vaccinations are carries out, did he have a vacc cert? Maybe that would do.
It is a condition of insurance that vaccinations are carries out, did he have a vacc cert? Maybe that would do.
LadyLuck1
Well-Known Member
I wouldn't take this lying down. My insurance company told me they wouldn't pay out as I did not notify them of my horses condition within 60days of the first vet call out. I then spoke to an Insurance Broker (Julie Andrews) Who my other horses were with and they said that the company cannot do this as you actually legally have a year to claim...dispite the 60day period being mentioned in the small print. So I went back to them and got my money!
Pedantic
Well-Known Member
So what the insurance company is saying is that if the horse had a passport it wouldn't have broke it's leg and wouldn't have been put to sleep, wow, I'll get another to ensure my animals gauranteed health, what a crock of shite, they had the money and should pay up, yes EVERYONE should have a passport, however because you didn't have and they aint paying up I take it they are going to refund all your payments, they cant have it all ways, get onto the insurance ombudsman.
ladyt25
Well-Known Member
I would be straight back on the phoen to the insurance company. Providing you can prove the horse that has died is the one they are covering it should nto be a problem.I don't think the company I have worked for have ever requested a passport unless they were suspicious of a claim so, if (as someone mentioned) they can maybe show some other proof of ID, ie original vet cert, vaccination records then i don't think the insurers could refuse them.
Does bring up another reason for ensuring you have a passport for your horse though! Hmm, but why do i feel i know who this insurance company is that is refusing payout...??!!
Does bring up another reason for ensuring you have a passport for your horse though! Hmm, but why do i feel i know who this insurance company is that is refusing payout...??!!
the watcher
Well-Known Member
[ QUOTE ]
Another liveries horse broke his leg in December and had to be PTS. Now her insurance company have said they won't pay out as he didn't have a passport. So be warned anyone who hasn't got one.
[/ QUOTE ]
Of course they are right to query payment or even with hold it. How can they be sure that the horse they have been covering is the same one that is subject of the claim if there is not the most basic identification document that every horse/pony is required to have by law. I don't see that they are being especially difficult unless the horse had a freezemark or microchip that would uniquely identify it before and throughout treatment and this identifier was on the horse insurance description. Some insurers will ask for the passport number at the time of quote - I think they should all do this.
Another liveries horse broke his leg in December and had to be PTS. Now her insurance company have said they won't pay out as he didn't have a passport. So be warned anyone who hasn't got one.
[/ QUOTE ]
Of course they are right to query payment or even with hold it. How can they be sure that the horse they have been covering is the same one that is subject of the claim if there is not the most basic identification document that every horse/pony is required to have by law. I don't see that they are being especially difficult unless the horse had a freezemark or microchip that would uniquely identify it before and throughout treatment and this identifier was on the horse insurance description. Some insurers will ask for the passport number at the time of quote - I think they should all do this.
ladyt25
Well-Known Member
I do agree with the watchers point here but also empathise with the insured. Was she insured with the company before the requirement for passports and, if so did said insurance company request passport number at renewal?
Unfortunately due to the number of times people submit 'fake claims' it can appear frustrating to the legitimate claimer. We have experienced someone who claimed for the death of a horse and after a bit of investigating it was discovered this person had previously claimed for the death of the same horse through another insurance company! Needless to say our company did not settle the claim and said person (and their vet) ended up in court! It is people like that who make thinsg difficult for everyone else. Of course an insurance company need to be 100% sure the claim is legitimate but i would have thought if other documentation can be porvided to prove the horse is indeed the one that was isnured, the insurer's should at least consider the claim.
Unfortunately due to the number of times people submit 'fake claims' it can appear frustrating to the legitimate claimer. We have experienced someone who claimed for the death of a horse and after a bit of investigating it was discovered this person had previously claimed for the death of the same horse through another insurance company! Needless to say our company did not settle the claim and said person (and their vet) ended up in court! It is people like that who make thinsg difficult for everyone else. Of course an insurance company need to be 100% sure the claim is legitimate but i would have thought if other documentation can be porvided to prove the horse is indeed the one that was isnured, the insurer's should at least consider the claim.
piebaldsparkle
Well-Known Member
LOL bet you though it was *&*!!!...........Well it wasn't
It was Equestrian Direct (don't know what they are like generally as have never dealt with them myself). The horse had an up to date vaccination card, so silhouette etc.. to confirm it was the same horse. It was PTS by a vet who has see the horse many times over a number of years and thus is happy to confirm it is the horse as stated on the cover. She is going to try and fight it, but doesn't hold out much hope.