The Accidental Smallholder Forum

Pets & Working Animals => Horses, ponies, donkeys & mules => Topic started by: Rosemary on July 26, 2010, 09:18:16 am

Title: Insurance
Post by: Rosemary on July 26, 2010, 09:18:16 am

I've just had my insurance renewal in for Smokey. I've used Petplan Equine for years but the annual premium this year is £446. I've been shopping around - Kbis came back at £250 but last night I found one called E&L Insurance that was about £5 a month. Sounds great but I don't believe in free lunches - anyone any experience of thei company - good or bad - or any other recommendations?

Thanks

Title: Re: Insurance
Post by: Hermit on July 26, 2010, 09:23:59 am

I had E And L years ago, put me off insurance for animals for life!!!!

Title: Re: Insurance
Post by: Hardfeather on July 26, 2010, 10:48:33 am

Don't do it.....!!!

Title: Re: Insurance
Post by: Hellybee on July 26, 2010, 10:50:15 am

We use the NFU :)

Title: Re: Insurance
Post by: Samantha on July 26, 2010, 10:52:49 am

The NFU was recommended to me also . haven't heard anything discouraging about them

Title: Re: Insurance
Post by: Roxy on July 26, 2010, 03:57:25 pm

I have been insured with the NFU for many years, never made a claim either.  But, it got so expensive with the amount of ponies, I have recently cancelled all the ponies insurance, the tack, and the vet claims, everything.

I am in the BHS and you get public liability included with your membership, and also same with the BDS, so that will do me, and I do not have that horrendous montly payment for insurance.

Title: Re: Insurance
Post by: Rosemary on July 27, 2010, 05:07:57 pm

I have public liability and accident insurance through World Horse Welfare - it's only for vet's bills. I'm not bothered about my tack being isured or death insurance - if he's dead, he's dead. But a £5k vet's bill would be a bit hard to pay.

I'll pass on E&L then - I've had a quote frm Kbis, which is half the Petplan one, so I'll try NFU as well.

Thanks

Title: Re: Insurance
Post by: Pony-n-trap on July 28, 2010, 02:20:29 pm

I am with E&L but have never made a claim, I have heard bad reports but cant afford the likes of NFU etc.  I am also a gold member of BHS and a member of BDS and BHDT.

Title: Re: Insurance
Post by: Daisys Mum on July 28, 2010, 05:09:59 pm

I have my dogs with E&L but horses are with NFU, one had major surgery a few years ago and they paid up no bother, at the moment we have a claim in as he now has a spavin and is on Danalone, we are stockpiling it as claim ends in October. Bute would be cheaper but he finds it no matter how it is disguised and wont eat his feed.

Title: Re: Insurance
Post by: skidley on July 29, 2010, 07:59:55 pm

From both a customers and working in a vets point of view I wouldn't touch E&L with a barge pole!!

Title: Re: Insurance
Post by: beany on August 05, 2010, 03:45:33 pm

Check with your vets first a lot of them will insist on payment up front if you insure with e and l. My job involves working with equine insurers and e and l are def bottom of the list.