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JulieH
Bronze Member
England
146 Posts |
 Posted - 08 Jun 2009 : 3:18:28 PM
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I've had my insurance policy for my horse since he was 2 months old, he is 11 this year. I have always had class A but have just changed it to class C as he is now doing endurance. I've been paying £32.86 a month for the class A and had a letter through from the Insurance Company stating that the new direct debit amount was £41.87. This I could live with as I knew it would go up (obviously), but then I had another letter through from the credit company saying the new direct debit amount was £47.93. So I rang the Insurance Company this morning asking about the amount differences and they said that the £47.93 would be the new amount payable, apparently the extra £6.06 is the interest charged by the credit company!!! Is this right, it seems to me a lot each month just to pay by direct debit. If this is the case I will in future pay the whole amount off in one payment. I dread to think how much 'interest' i've paid over the 11 years i've had the policy. How much do other people pay for an endurance policy?
Also I have an exclusion on the policy stating that I cannot claim for any respiratory problems (when I had him vetted at 2 months old, apparently he had a respiratory problem!! still bought him and he has never had any respiratory problems in his life!) I would like this either taken off the existing policy or I was considering changing my policy anyway but would I have to have him vetting before insuring him again with a new insurance company (which I don't want or need to). Would I have to mention it to the new company (even though he hasn't got a problem)?
Sorry this is so long but they have rather p***ed me off now
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Essex |
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Pauline
Platinum Member
England
3185 Posts |
Posted - 08 Jun 2009 : 3:47:18 PM
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Which insurance company are you with.
What have you got him insured for.
All mine are insured with NFU and my total per month is £86.24p that is for 4 horses and my dog.
Depending how much you have him insured for will of course depend on what you are paying.
I have 3 endurance horses all doing distances over 25 miles but the NFU do not charge more for the longer distances.
I doult that the NFU would exclude the breathing problems as this was from a vetting 11 years ago.
Pauline 
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Pauline Higgs
Equine & Human Holistic Therapist
www.thegentlestouch.co.cc
www.endurancegbmidsouth.co.uk
Berkshire / Hampshire Border |
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JulieH
Bronze Member
England
146 Posts |
Posted - 09 Jun 2009 : 3:03:20 PM
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Hi Pauline
Thanks for reply. He's insured with KBIS for £2,000. Maybe i'll ring NFU and see what they can offer me. |
Essex |
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angel2002
Platinum Member
United Kingdom
2502 Posts |
Posted - 09 Jun 2009 : 3:43:08 PM
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I found NFU very expensive for horse insurance, I asked them for a quote as my usual company 'Carriagehouse' seemed to be expensive this year plus their vets fees payout is very low. As I have my lorry insured with NFU they said I would get a discount but I was still shocked although their limit on vet fees is higher than my current insurer.
Having trawled the internet I have now found a company that seems, upon reading the site, very good and I am going to ask for a quote for my horses. As an example I pay Direct line £29pm for my dog and Animal Friends Insurance are quoting £14.59 for the same cover!! Needless to say when my renewal comes up in July I shall be cancelling my direct line policy!
www.animalfriends.org.uk
I will let you know what the comparisons are after I have contacted them
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Angel
Passion Arabians
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Edited by - angel2002 on 09 Jun 2009 3:44:29 PM |
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angel2002
Platinum Member
United Kingdom
2502 Posts |
Posted - 09 Jun 2009 : 3:54:13 PM
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Just called them, they will be selling insurance for horses by the end of the summer Left my number for them to call me when it starts
Think I will take my chances with my girls for a few weeks (touch wood!)until I can get a quote from them, if the difference with the dog policies are anything to go by I think I will be pleasantly surprised. |
Angel
Passion Arabians
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JulieH
Bronze Member
England
146 Posts |
Posted - 23 Jun 2009 : 12:49:54 AM
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Been searching around and EandL seem the most reasonable but have heard stories about them being a nightmare paying out. Stoneways also seem quite reasonable. Has anyone any dealings with either of these?
Petplan was really expensive. Still need to phone NFU and have mailed Animal Friends and waiting a reply. |
Essex |
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Pauline
Platinum Member
England
3185 Posts |
Posted - 23 Jun 2009 : 07:04:40 AM
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JulieH
I would not touch E&L with a barge pole.
One pony I had on loan before I bought him was insured with them and I had such a problem getting the money for a claim.
Still like the NFU
Pauline |
Pauline Higgs
Equine & Human Holistic Therapist
www.thegentlestouch.co.cc
www.endurancegbmidsouth.co.uk
Berkshire / Hampshire Border |
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Pop
Platinum Member
England
3051 Posts |
Posted - 23 Jun 2009 : 09:04:50 AM
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I would never use E&L again, long story, its just not worth it. NFU are the best. :
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robert
Bronze Member
United Kingdom
123 Posts |
Posted - 23 Jun 2009 : 09:17:06 AM
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I have just insured 4 through Scottish Equestrian Insurance, including my stallion, £5000.00 per incident vet cover, 2M third party, loss of use, works out about £90.00 per month in total.
So far I have found them to be exceptionally helpful and pleasant to deal with. |
  
www.braesidearabians.com |
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zaminda1
Bronze Member
177 Posts |
Posted - 23 Jun 2009 : 10:42:41 AM
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NFU are very good if you have a problem. Unlike most companies they will contribute to livery while at the vets having surgery, which most won't. I was insured with pet plan for years, but then I had to claim, and funnily enough I didn't renew again, their service was awful! NFU didn't exclude problems my horse had as a youngster which was good too. I found them very helpful as well.
My friend had major problems with E&L!!
Sally |
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BabsR
Platinum Member
England
2790 Posts |
Posted - 23 Jun 2009 : 1:11:24 PM
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Have to say..........none of my horses are insured !!! We have been breeding horses for almost forty years now and......have lost one mare
whilst foaling (1984) (rupture of the uterine broad ligament and fatal) her foal was fine and we successfully bucket reared him.
We have never lost a foal. Over the years, lost a yearling (broken leg) and four brood mares, one 15yrs (massive heart attack and dropped dead where she grazed) three brood mares (very old age) and quite recently, our old homebred stallion.
Can you just imagine what it would have cost us for an average of twelve stud mares/youngstock and two stallions....in all those years  Have we been lucky, I don`t know ??
One thing we do know, is that most Insurance Companies now employ "loss adjusters" whos job it is, to ensure it is VERY difficult
when claiming and the Insurance Company pay you as little as possible
My husband transports for local vets and info gained from Clients, it appears NFU are pretty good....and pay transport costs up to £500 for each separate incident
Babs
www.SunrayAngloArabianStud.co.uk
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alix liddle
Silver Member
England
421 Posts |
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JulieH
Bronze Member
England
146 Posts |
Posted - 23 Jun 2009 : 6:21:51 PM
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Thanks for the replies everyone. I am now waiting replies from NFU, SEIB and Stoneways. All sound reasonable, so I'll see who offers the best cover for price.
BabsR Must admit none of my other animals have ever been insured, and that includes two previous horses. But as he is hacked out on a regular basis and also now doing endurance, I worry more about 3rd party claims if he should ever be involved in an accident (in this sue all society we now live in!!!) |
Essex |
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BabsR
Platinum Member
England
2790 Posts |
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Insurance policies
