Horse Insurance

[spotti]

Hey guys, not sure if I've put this in the right section (tbh I forgot that this bit of the forum was split into so many sub-sections!) but...

Has anyone ever heard of "Horse-Insurance.co.uk" ?

Just been having a look around to see if there's any cheaper policies out there - we've been with KBIS for nearly 5 years now and never felt the need to look elsewhere, but they've reduced our vet fee cover from 100% to 75% due to Faith nearly being 16 - soooooo I'm having a look to see if there's anyone who will insure her 100% for less...

Google came up with the company above and they sound ok, not ridiculously cheap (like E&L, which screams 'dodgy' to me) but a bit cheaper than KBIS.

The reason I'm asking for opinions is because I've never heard of this company and I don't want to be ripped off if they're dodgy, but then again I don't really want to pay more than I have to for cover that I could potentially be getting elsewhere .

Help!

(This is the website for the company - have a nosey and let me know what you think: www.horse-insurance.co.uk/)

P.s. Previously been paying KBIS about £250 per year for 100% vet fee cover and third party/public liability; this year it has gone up to about £310 for 75% vet fees and then public liability. The company in question are offering 100% vet fees and public liability for £21.01 per month, which is about £250 for the year.

[Blonde Donkey]

Hmmm I tried to get a quote, added all the stuff thats currently covered by Petplan for the bug and it came to £35 more a month than I pay currently - vets fees, public liability etc. And it won't let you take out a new policy for 19+.

Honestly never heard of them tbh so can't say whether or not they are dodgy but given that quote I'm steering clear.

[haffyfan]

I've not heard of them but i haven't had anything but liability through my BHS gold membership for several years now anyhow (yes it'll bite me i know but Murph had a string of exclusions as long as tail)

I was with scottish equestrian for many years and found them to be excellent paying out on claims and verty competitive on price...it was purely the number of things murph wasn't covered for that stopped me using them rather than the service. The money i save now goes towards any future big bills.

[spotti]

I think I might stick with who I know then, just to be on the safe side .

I'm such a worrier, but also a bargain-hunter, and as much as I don't want to pay more for something unnecessarily, I also don't want to be conned or sold short...

KBIS it is then!

Thanks guys

[brigadier]

its E and L under another name- look at the info on the page!

[spotti]

Ah ha! That would explain that funny suspicious feeling I got in my gut...

Thanks for all your help guys . I'll stay where we are happy x

[rainbow]

Was about to say that horse-insurance is underwritten by e&l I nearly fell for them. I use amtrust. I think there good never gone up n price and because rose is only ickle I get pony insurance which is cheaper. :-)

[zara]

I always use my very reliable broker, never had a problem.

[fleabitten]

haffy, i think if i was to do it again i would probably just try and have a kind of budget or savings account for vet bills, even a small amount per month put aside for emergencies. my reasoning is that you could pay out for insurance and not need to claim and then theres that money gone, or you could save up that money and its there if you need it.

[scattymare]

Sorry very late but yep it's E&L - I use it! Though in their defense, they paid out no quibble with Ed's colic - twice. With E&L you just have to be sooo careful to read all the smallprint and do everything to a T as per their terms & conditions. Insurance is changing a lot in favour of the customer these days. Not so much room to wriggle out of payments. So long as you do things by the book.