Insurance

154 recommendations and reviews from 142 people

• Referral from October 23, 2017
  

  Jeanne S. asked:

  Horse Insurance! I have been with NFU for the last 6 years and no claims at all. It started off at £300 pa and now it has gone up to over £500pa. My horse is 9 years old and hasn’t been ridden or moved from my land in the last 3 years but they will offer me no reduction as they say he could still have an accident in his field!!! Can anybody recommend any other company, I have BHS gold and just want covering for vet fees!

  

  Olivia H. replied:

  I am with horse insurance.co.uk and can't fault them. Had 1 claim paid straight out and just sending them my other but fingers crossed x

  

  Sarah P. replied:

  Horse-insurance. Co.uk are who I'm with and I've just had a payout of nearly £800 for an allergic reaction to a fly bite. Did take 3 months to pay (but think that's normal for insurances) and paid straight to my vets. I've found them to be the cheap with there 40% off offer xx

  

  Helena H. replied:

  I had to do a LOT of research this year into insurance as my girl had possible sand colic last year which made her difficult to insure. I didn't claim but made no difference. NFU came out the best in respect of vet fees. I was with Equicover who were absolutely fantastic but they lost their underwriters and so were not renewing policies as they expired.

  

  Chloe W. replied:

  I use horse insurance and theyve just paid out nearly £1500 in dental work for my horse who actually had to have a second op for removal of something that was left and was no problem

  

  Sue G. replied:

  Jeanne I have just had the exact same thing. They wanted £81 a month off me for Mulligan. So I've only just changed to KBIS. I ha've alot more insured with them i.e. when Mulligan is out showing etc. People say stay with NFU cause they pay out etc etc. At the end of the day if the insurers get a vets report they cannot dismiss that and if so the insurance onbudsman will sort it out. Its just bloody greedy!!!! Xxx

  

  Jill W. replied:

  Please think carefully about third party insurance. If there is any chance that someone may make contact with your horse and potentially get hurt they can claim against you. Ramblers, passers by who decide to give him a carrot, dog walkers, farrier, vet etc.

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• Referral from July 2, 2017
  

  Helen K. asked:

  just received my KBIS renewal, and gone up from £370 for vet fees cover to £590 with a letter stating that the cost no longer covers vet fees and their insurance tax has gone up................... I have Public liability with BHS so think thats just a bit steep for vet fee cover..... Just looked at E&L and get vet cover and public liability for £314 ! who does every one use???????????

  

  Jen A. replied:

  This is interesting I'm with horse insurance.co.uk (E&L)never had a claim but have been advised would be better to take out public liability put £50 away a month and just get a loan if anything does happen

  

  Rhianne H. replied:

  Horse insurance.co.uk £22 a month with vet fees :)

  

  Steve-Ann P. replied:

  Be careful with E & L. They have a very reputation for not humouring claims. I have two oldies (both in their twenties) insured for FULL vet fees with a special policy that Pet plan offer and my other horse insured with NFU. Carriagehouse Insurance is a good one to try.

  

  Samantha D. replied:

  I'm with horses insurance (under written by e&l ) and they have been fab payed up strait away x

  

  Gillie M. replied:

  BHS gold cover and £40 a month into a separate bank account. Sod insurance companies. Most vets will make a payment plan if necessary in my experience.

  

  Katie S. replied:

  Insurance tax only went from 10% to 12% so no way has that affected your renewal that much!

  

  Jen A. replied:

  I work in insurance and I know customers that have really slated others and I know customers that again have slated us usually two very different sides to the story.

  

  Ali B. replied:

  Scottish Equestrian Insurance Services, underwritten by Allianz same as Petplan but at a fraction of the cost. Had a couple of claims, paid direct to vet with no hassle, my renewal went up £5 per month for my two horses on one policy.

  

  Sharon L. replied:

  I use equine insurance online they are part of e and l and have never had any issues paid out on loss of horse .. and 3 vets claims for two other horses no issue at all very helpful at all times

  

  Lottie W. replied:

  Insurance premium tax has increase from 10% to 12% as from 1 st June 2017 due to the government If you now don't have full vets feed is it due to your horses age? Has he been moved onto a veteran policy (normally 16 yo and older)

  

  Lyndsey L. replied:

  I had a quote for this year £717 from Petplan and £986 from NFU and £360 from horse insurance. Co. Uk massive difference

  

  Mandy A. replied:

  I just have rider insurance with E&L

  

  Carolyn M. replied:

  You'll find most insurance companies wont price match against E&L and dont be tempted to insure with them because they are notorious for not paying out! Ive just had the same with my horse insurance. One thing that would cut the cost of your insurance is to lower the value your horse is insured for and lets face it if we ever did loose them we wouldnt be worrying about how much moeny we'd get. Dropping my insured value from£6500 to £3000 dropped my insurance by £200. x

  

  Julie L. replied:

  I'm with E&L have been for 8 years this past year they have paid out o 3 big claims with no quibbles so can say I'm well happy with them ? All insurance will exclude and allways read small print and be honest with them ? Think a few years back they had a bit of bad rep but 100% happy with them and have had no problems

  

  Sharon B. replied:

  it will be because they can pass on the insurance premium tax costs to customers now :-(

  

  Sue E. replied:

  Will people please stop using posts like this to slate e&l. I have used them for over 20 years and claimed tens of thousands of pounds from them. ALL insurance companies refuse to pay at some point. Not just e&l. Getti g really tired of the same old quotes about them

  

  Judi A. replied:

  Its really difficult...all this is personal experience and you will see some people don't like a particular insurance company and some do. In essence get quotes and ALWAYS read the small print before you buy. Good luck.

  

  Tracey E. replied:

  E&L and never had problems and now with Horse Insurance

  

  Katy B. replied:

  Insurance is the biggest rip off ever, having an insurance company is basically a licence to print money 👎👎👎

  

  Debbie B. replied:

  SEIB. Insurance Premium Tax is a government tax not insurer charge. It's always charged to customers

  

  Lamorna P. replied:

  Save your money, insurance is barely worth the paper it's written on. Get yourself a separate account and put £10 a week away. If you need it it's there if not, roll it on till next year.

  

  Jane A. replied:

  I have E&L insurance for my mare. Never had a problem with them.

  

  Joanne P. replied:

  Scottish Equestrian Insurance Services

  

  Catherine W. replied:

  Wouldnt touch E&L as they tried to wriggle out of a payout which was only a few hundred. Been with NFU ever since and have claimed a few times over the years and it couldnt have been easier. Totally agree that insurance has risen over the years, however so have the advances in drugs and operations so whereas 20 years ago there would have been no treatment for certain ailments now there are highly advanced surgery's and drugs so therefore more claims and higher vets bills.

  

  Krissy G. replied:

  I only found out what was in the unreadably microscopic small print when my boy got sick. Aparently they didn't cover "certain avoidable injuries and illnesses". I asked if they could please tell me how l was supposed to avoid my horse getting colic, as this is the kind of magical infornation most people would pay good money to be privy to! Because, unless l can get myself a crystal ball, how am l supposed to predict, let alone avoid, my horse getting colic! If l could have predicted that, l could have saved him hours of agonising pain, followed by the indignity of daily rectal examinations, a very sore nose from daily fluid flushings, and a bill l am still paying off four months later! According to our vet, many insurance companies structure the wording of their policies to confuse the consumer, and give themselves a "back door" get out clause to avoid the bigger payouts. Thank god l have a vet who puts the welfare of the animals first, and financial gain of the necessary treatment second. I won't be insuring against anything but public liability in future. And l apologise profusely for the somewhat sarcastic and lengthy rant! Lesson learned - if the print is too small to read without a magnifying glass, BUY a magnifying glass and READ CAREFULLY BEFORE YOU SIGN!

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• Referral from February 12, 2017
  

  Sharon B. asked:

  Can anyone recommend travel insurance for someone with terminal cancer x

  

  Jacquie D. replied:

  Bluebadge insurance.co.uk Staysure.co.uk Oktotravel.co.uk Allcleartotravel.co.uk

  

  Jacquie D. replied:

  You're welcome. Also try and get them to waive the extra excess so that you only pay it if you need to use the insurance cover x

  

  John C. replied:

  Travel insurance 4 medical

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• Referral from January 21, 2017
  

  Charlie H. asked:

  Good Insurance companies with good customer care!? PLEASE DO NOT RECOMMEND E&L!

  

  Sophie D. replied:

  Yes I'm with horse insurance.co.uk too and they are underwritten by e&l and I've had no issues at all .... They have been absolutely fantastic since I lost my boy x

  

  Nichola B. replied:

  I'm with horse insurance for a couple of years been really helpful so far but my horse may need surgery find out Tuesday so will find out if they will pay out or not 😁🙈so far they said they can't see why they wouldn't pay out for that surgery x

  

  Sarah-Jane B. replied:

  Nfu had several needs to use my insurance they have been amazing each time xx

  

  Steph B. replied:

  I used to be a horse claims assessor for e&l and like with any company, if read your insurance policy and disclose anything you think may be a material fact, you shouldn't have a problem. If you are unsure what a material fact is ie your horse had colic 6 months ago, ask the company and your vet. If you don't disclose something that's when an issue can arise. They are a regulated company like all the others. I have two horses and a trailer, all of which are insured with e&l and I no longer work there. Xx

  

  Hazie R. replied:

  Never had an issue with e&l paying out, I'm with horseinsurance. .com now, I think they are under written by e&l

  

  Eve R. replied:

  I've had two biggish claims with nfu and both paid out fine, good customer service. I have to say I'm intrigued by the e&l thing, I remember being warned against them from around at least 15 years ago, and I wonder if that bad reputation has just lingered for all this time or if they really are still bad. TBH if they really were so awful I can't see that they'd still be in business all these years later. I've never used them for horse insurance and probably never will due to the psychological bit in my brain that says no, however I do have one of my dogs insured with them.

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• Referral from January 19, 2017
  

  Adele C. asked:

  A friend is looking for insurance Needs a affordable one. They don't work but pdsa is miles away from there home So they use a private vet Dog has no illness or injury they're just planning ahead Altho petplan is great the fee is possibly a little out there range x

  

  Tracey K. replied:

  Pet- insurance.co.uk... I have just got mine of them

  

  Katy T. replied:

  Tesco do cheap pet insurance from around £5 a month x

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• Referral from July 27, 2016
  

  Karen H. asked:

  Does anyone know any pet insurance that covers existing conditions? Just got my tescos renewal and its £1058!!!!!!!!!

  

  Misty M. replied:

  Animal friends are great if your dog is less than 10 years old pet insurance.co.uk better for older dogs excess isnt extortionate.

  

  Jemma T. replied:

  Kennel club insurance was half the price what pet plan quoted me

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• Referral from April 29, 2016
  

  Alex M. asked:

  Has anyone ever insured there horse with animal Friends? Do they pay out if need be? Only want insurance for vet fee's.. quote being £40.89. Is that reasonable for 6k worth of vet fees? Also any other insurers that r good and maybe cheaper?

  

  Joanne L. replied:

  I am with horse insurance.co.uk (E&L) they have paid out with no issues! Have and paid out for a few of my friends too! 😁

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• Referral from April 25, 2016
  

  Marian C. asked:

  Looking for recommendations for horse insurance please. Petplan are taking my eyes out so I think it's time for a change...

  

  Bethan R. replied:

  Horse insurance.co.uk were really good with Jerry & paid out hassle free. X

  

  Sharon S. replied:

  Get in touch with Kerry Andrews from KA Horse Insurance...

  

  Lesley D. replied:

  Kbis - much easier to deal with than petplan for claims as well. Go for a high excess on the policy and put your tack on the house insurance. Their competition policies all offer 15 months cover per incident with 350 high excess. Leisure policies are 275 high excess with 12 month per incident but lower vet fee limit. I dropped Belle onto the leisure policy as she has so much excluded now.

  

  Trudi G. replied:

  Equestrian World Insurance are great

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• Referral from April 4, 2016
  

  Lucy L. asked:

  Was wondering if I could have people's experience of pet insurance..I am looking to insure my 3 year old lab x for everything I can! If the need arose for a bionic leg etc.. I would like an insurance company who is 'just going to pay out' without a fight! Any recommendations gratefully received :)

  

  Kayleigh H. replied:

  You need lifetime cover with an insurance company, to cover any condition for your dog's whole life. We have petplan, they pay the vets direct (which a lot don't, they pay you back) and cover for £7,500 with the lifetime classic policy we have but do more with other covers. They are great x

  

  Cassie H. replied:

  Animal friends are awful wouldnt touch them at all. I will only insure with petplan. Sally Hayward runs a pet insurance website im sure she will post link

  

  Mark E. replied:

  Good luck if you need her turned into the 6 million dollar dog. Most insurance has a limit in the thousands ;)

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• Referral from December 4, 2015
  

  Charlotte A. asked:

  After some non-bitchy help!! Can anyone reccomend a good insurer? Have got quote from: Petplan Animal Friends E&L Horse-Insurance.co.uk and will be contacting NFU in morning. I know they all vary in price and what they offer but after some positive or negative thoughts on any, or, any that I may have forgotten!! TIA :) xx

  

  Julie H. replied:

  Ive been insured with horse insurance.co.uk for 2 years. Not made any claim but after reading feedback am going to change to NFU

  

  Fiona H. replied:

  Do not touch Animal Friends, E&L and horse-insurance - they are all basically the same company that are horrific for paying out.

  

  Tori A. replied:

  We run a rehab yard and so deal a lot with insurance companies! 😖 They are more expensive but NFU do seem to offer clients a lot more and are prompt to approve claims etc. 👍 They are always my top suggestion, if you can afford to pay a little bit more for the premium. You do get what you pay for. The main 4 I would recommend getting a quote from are NFU, KBIS, Petplan and also SEIB. KBIS are fairly good to pay out too (I personally have claimed through them), but customer care isn't their strong point in my experience! SEIB offer similar cover to KBIS but I have found them to be cheaper for the same and much friendlier with it 😉 I would also agree with others above to avoid E&L and Animal Friends. Animal Friends recently told me they couldn't offer insurance because my proposed horse was entire and therefore considered a stallion ... He's 5 months old and doesn't even have any danglies yet! 😉😂

  

  Fiona G. replied:

  Although E & L settled my claim without fuss they attempted to place an exclsuion on my policy. I have fought this for the last 5 months and after finally refering the matter to insurance ombudsman (who backed me) they have had to lift the exclusion so I would suggest staying away from them.

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• Referral from November 25, 2015
  

  Abby L. asked:

  Hey, I'm pretty new to selling crafts. Just wondering who people would recommend for public/product liability insurance. Managed to get a last minute table and found out I need my own insurance. All advice welcome.

  

  Helen H. replied:

  Craft insurance.co.uk

  

  Lynn K. replied:

  Market traders insurance is just over £50

  

  Toni H. replied:

  Market traders insurance is pretty good hope this helps

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• Referral from October 31, 2015
  

  Heidi M. asked:

  Please delete if not allowed..... I am wondering who is the best company to use for insurance. Im currently with Petplan Equine and all the quotes I have so far are roughly the same. Are there any reliable companies that DO pay out, that anyone could reccommend to me? Thank you in advance!

  

  Karan F. replied:

  I'm with horse insurance.co.uk they AV been brill & r by far the cheapest, they all wanted over or around £50 to insure my 17.3 TB for local shows etc n pleasure rides, death & vet bills I now pay £20 x

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• Referral from October 29, 2015
  

  Alice O. asked:

  Hi, Hope this post is allowed - I'm just looking for some advice really! I've just begun playing in a Motown function band and we're trying to get gigging at the moment but we're aware that we need some sort of public liability insurance. I've had a look around and I'm struggling to find anything suitable - most insurance companies only recognise music teachers as a musical job that might require insurance. Can anyone give me a recommendation of where to look? We'll probably be playing around twice a month to begin with and we really just need to cover ourselves incase some one injured themselves on our equipment. Thanks in advance :)

  

  Alan J. replied:

  They have a website www.musical -insurance.co.uk

  

  Miranda A. replied:

  In fact it defo does- and it prob works out cheaper than getting seperate insurance :) xx

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• Referral from September 30, 2015
  

  Claire H. asked:

  Can anyone recommend a "good" horse insurer? Have just been quoted £700 from NFU and not happy!

  

  Kathryn N. replied:

  Horse insurance.co.uk

  

  Evie A. replied:

  NFU out my insure per month up nearly £10.00 so I'm also looking for a new insurance company!! Ridiculous!

  

  Catherine F. replied:

  Carriage house insurance

  

  Danielle H. replied:

  E&l I have personal insurance but got a really good deal or maybe horse and hound

  

  Nina C. replied:

  The rise in price could be due to the fact that the insurance premium tax has risen by 3.5% coming into effect in November?

  

  Felicia H. replied:

  Horse insurance. co.uk are underwritten by e&l so I'd stay away from them too.

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• Referral from September 27, 2015
  

  Nicola W. asked:

  Hi, I'm after a bit of advice! Has anyone insured an older horse to include vets fees? I'm just trying to find the best one as he is 17. I am most concerned about vets fees being covered! Any advice or recommendations would be greatly appreciated!

  

  Nicola W. replied:

  Ok brilliant i will try a quote with them thank you!! Also wondered if anyone had dealt with horse insurance.co.uk?

  

  Sharon R. replied:

  I have my retired 17 year old insured for all vet fees (watch out, as most companies only insure for external injuries - can't remember the wording, sorry) with AmTrust who have been brilliant with me. Maybe also speak to insurance brokers like Four Counties and/or Julie Andrews who are like comparethemarket for horse insurance, but you get to speak to humans rather than fill in online forms... 😉 Good luck - it is a minefield out there... !

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• Referral from August 27, 2015
  

  Gemma M. asked:

  Who's the best insurance company that will do a deal for 2 horses?

  

  Kim F. replied:

  Horse insurance.co.uk

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• Referral from July 30, 2015
  

  Rachel H. asked:

  Who would you recommend for horse insurance?? Anyone know of companies offering multi pony discounts??

  

  Linzi E. replied:

  depends on what u want covered and there value and what u do with them. horse insurance.co.uk is cheap but don't know anyone who has used them to claim :-/

  

  Linzi E. replied:

  dare I ask what it costs for 5! I had 6 last year so didn't bother as we'd stupidly high now I have 2 I'm decided to go for insurance for a 8 yr old secA value 500 and a 2 yr old vale at 1000 for vet cover and loss only for both £80 with NFU only one I have rang so far

  

  Angela B. replied:

  Got my 2 done through Julie Andrews Horse Insurance, she finds the best policy for your requirements.

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• Referral from July 4, 2015
  

  Nicole M. asked:

  I am looking for recommendations for a cheap horse insurance company. I have found a few but would be good to see if anyone has had to claim and how much was covered. Thanks in advance

  

  Gen M. replied:

  Avoid horse insurance.co.uk like the plague!!!!!! I'm about to buy my second horse and my current horse is insured with them - they have been a nightmare and no way I'm insuring my new horse with them! It's also a con because they give you a monthly price but it's a "Luna month" so 13 payments a year, not 12. They eventually paid out on my first claim but only because I asked for transcripts of our phone conversations to prove that I had told them something about my horse which they tried to say they didn't know and tried to invalidate my policy. They then tried the same trick on the same issue 2 years later and again when I said check your records they suddenly paid out! The slap exclusions on everything leaving me with a £4.5 k vet Bill last year which they didn't pay a penny towards. NOT worth the paper it is written on! Avoid avoid avoid!!!!

  

  Bryony M. replied:

  Horse insurance. Co.uk is rubbish....tried to claim and they tried everything possible not to until I threatened them to report them to the financial obdusm and the financial authority.....then they paid. ...they are really bad.....

  

  Charlotte W. replied:

  Yeah I have many a horror story of the vet and insurance company from my stretch with her illness it has been a real eye opener! Just do not want anyone else to go through the same difficulty! x

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• Referral from June 11, 2015
  

  Andy R. asked:

  Can anyone recommend some insurers for my boat please

  

  Ken P. replied:

  titanic insurance.co.uk

  

  Danny M. replied:

  AIC Insurance delt with a guy called Barry sorted me a good deal on my commercial boat

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• Referral from May 10, 2015
  

  James F. asked:

  Where is the best place to get horse insurance ? Thanks in advance

  

  Jenn R. replied:

  Horse - insurance.co.uk is the best quote I got x

  

  Becci T. replied:

  Horse insurance.co.uk

  

  Sophie G. replied:

  Not e and l I also wouldn't recommend horse insurance . Co . UK they wouldn't pay out when I put a claim in . nfu were brilliant and paid out when I needed to claim.

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• Referral from December 31, 2014
  

  Joanne A. asked:

  For westies owners in uk who do you use for pet insurance had a quote for petplan for £14.50 a month any recommendations would be appreciated thanks from me and tess

  

  Elaine C. replied:

  I'm with pet insurance.co.uk, just checked & I pay £21.70 each for my two both have lifetime cover x

  

  Toni-Leeann E. replied:

  my renewal quote is more than my car insurance! lol

  

  Michelle A. replied:

  When I took out ins with Churchill I so wished I went with pet plan, as insurance with Churchill they only covered illness for one year and unfortunately for us my 8 month westie was diagnosed with ibd and now I'm with pet plan for life cover 34 a month they won't cover any ibd condition. So be careful what type of policy you take out and who it's with x

  

  Carol S. replied:

  Thanks folks .....just about to start checking insurance quotes out for our two :/

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• Referral from November 19, 2014
  

  Emma B. asked:

  Anybody used horse-insurance.co.uk build your own plan before? Its quite cheap but are they reliable?

  

  Laura C. replied:

  horse insurance.co.uk cheap for first year then they put prices up and up each year unless u canvel policy and take another one out every year with them thats what the guy from them told me it i did same quote on there website and was only £14 something but im paying £27 now x

  

  Leanne C. replied:

  I have both my horses insured by horse insurance.co.UK. my 2 cats are also insured by their parent company. Never had cause to claim for horses but both my cats have had large claims one just under 4.5 k (cat has renal failure ) the other other about 3 k (detached tendon) never had any problems getting them to pay out for the cats both of whom were treated at Glasgow uni.

  

  Ralph W. replied:

  I had a hugely bad experience with Scottish Equestrian Insurance Services. Exclusions for everything, wouldn't pay out, even with letters from Senior Clinician at Glasgow Vet School (Weipers Centre). I spent £8000 on vet bills, got £63.25 back. They ar...See More

  

  Ralph W. replied:

  Yes, we're stuck with them for the other horse, but will probably just start saving for him soon. I was talking to a Vet Nurse a few days ago who has horses, and she hasn't got her horses insured. However, I think it's important to say that you can't do without insurance entirely, just vet fees insurance, you need some form of 3 rd Party Liability!

  

  Irene K. replied:

  Would not use anyone other than NFU. They are more expensive but pay out without quibbles if a genuine claim. I almost cancelled my insurance last year due to cost and was going down the BHS line, however thankfully didn't and had very large vet bill...See More

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• Referral from November 10, 2014
  

  Suzanne S. asked:

  HORSE HEALTH INSURANCE. I'm about to buy our very first pony, a 5 yo cob. It will be ateenagers first pony and just used in the school and light hacking. But where do I start with health insurance. Who do you recommend? What should I look for and what should I avoid? What would you think would be an acceptable premium? Your thoughts please

  

  Laura C. replied:

  Avoid e and l and horse insurance.co.uk

  

  Beck C. replied:

  Towergate are good and are quite cheap there are lots of options on insurance so u can choose what you need insuring tack vets fees what things you will do with your horse.

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• Referral from July 31, 2014
  

  Emma Q. asked:

  Hi guys, who do u use for pet insurance and why?? Who does the best cover and who pays out quickly for claims if needed? Any advise welcome thnx :-)

  

  Cindy O. replied:

  pet insurance.co.uk underwritten by E & L. Have always paid out for everything.Cheap monthly payments. But have to pay vets. Mine are around £16 month.

  

  Marianne O. replied:

  more than have been fantastic with me only had insurance for 15 days before midge fell and dislocated her hip, long story short, hip replacement has been done and physio started more than have paid nearly £5000 so far without a quibble

  

  Sharon F. replied:

  i've got PetPlan for Neville and although it's £36 a month i think that any inherited issues are going to appear in the first year so will be worth it. Heard that KC do pretty good insurance - you should get details of it through with the registration papers xxx

  

  Sally H. replied:

  Yes Joan.. your vets records will be used as evidence.. so anything that is recorded by a vet (or I have even known pet insurance companies ask physiotherapists and chiropodists for their records) can be treated as a pre-existing condition.

  

  Emily R. replied:

  Petplan - and as others have said, do not touch Sainsburys insurance with a barge pole! Xx

  

  Gillian E. replied:

  Anne Davis I am with pet-insurance 1 st year £9. 98 , 2 nd year £19.40, 3 rd year £28 .58. pluss this is every 4 weeks NOT monthly. Now looking to change.

  

  Claire L. replied:

  Pet Plan for 2 large dogs, got the Miniature poodles via the Kennel Club - which has since increasing in price and now cost more than the GSDs insurance. Not impressed with that! Never had to make a claim so far.

  

  Robert E. replied:

  Pet Plan or More Than, if you are going to fork out for insurance then use ones that won't quibble or let you down when you need it most! Beware of false economies!

  

  Marcia H. replied:

  Judith Moore, i am with Direct Line. At my last renewal I had to phone up, to cut a long story short the young advisor who i spoke with on the phone was quoting more due to dogs doing agility. I got him to check this as a non monetary hobby sport it should not affect your insurance. He checked and confirmed I did not have to pay extra.

  

  Lis B. replied:

  I'm with Morethan and very pleased: I have lifetime cover up to 8K pa per dog, including overseas for 4 mongrels aged from 15 months to 9 years for just under £1000, no premium for payment by instalments. they paid £800 in bills on my lurcher last year promptly direct to the vet and her insurance has only gone up by about £50. I only have an extra 10% excess on my golden oldie and all 4 are insured for only slightly more than M&S wanted for the oldie alone (plus an eyewatering excess)

  

  Sue H. replied:

  We are with Pet Plan and luckily took the top policy which covers for life with amongst a load of other benefits an annual £12 k of Vet fees. Needless to say, and to cut a very long story short, totally out of the blue one of my two dogs became critically ill and ended up at the Royal Vet College a couple of weeks a go, bill so far....... £5000!! The thing about insurance is you don't know what you need until it's happened, if you can, go for the top policy you can afford and look for lifetime cover as a minimum. Pet Plan have been brilliant over the years and we have certainly had our money's worth. At the end of the day, you get what you're prepared to pay for.

  

  Maria J. replied:

  Just be careful with any company unwritten by E&L. A lot of vets will not work with them. When my cat was a kitten he was attacked by a dog and ended up with a broken jaw. The dog had broken a really tiny bone in my cat's hinge part of his jaw and my usual vet didn't feel like she could touch it. He was referred to a specialist orthopedic vet. I was told he need CAT scans and xrays and god knows what else. I was quoted £3000+. Then I got a phone call saying that they wouldn't deal with my insurer directly and I'll have to pay them and claim the money back myself. I'm not sure about anybody else but I can't just pluck three thousand pounds out of thin air. The only other alternative would have been to leave him alone and let his jaw set wonky. This would have led to complications later in life which wasn't really an option at all. Luckily, very luckily, a week earlier I had my cat microchipped. With that, I was given two weeks free insurance with PetPlan. Pet Plan paid up without complaint and were very helpful and sympathetic whenever I phoned up. When my insurance runs out next month I intend to move all my animals to Pet Plan.

  

  Tony C. replied:

  A lot of vets now expect you to pay and reclaim the money from your insurance due to not being paid. The insurance company in my experience is always happy to deal with the vet. I changed from tesco to direct line simply because of the hike in prices, plus the cover was much better and they had an offer on.

  

  Juliette S. replied:

  I'm not surprised to read of the problems Maria Johnson has had with E & L. I also had major problems with them about 5 years ago. I had numerous problems with my Weimaraner and made two claims which took a year to be paid both times and after a lot of chasing up. In addition both conditions were added as exlusions on the policy for future claims after the claims were paid. By this time the dog was about 6 years old so it would have been hopeless trying to get insurance elsewhere, especially as he had pre existing conditions.

  

  Becky G. replied:

  Not meaning to hijack the thread but has anyone had experience with the pets at home insurance? It looks very good on paper & covers complementary treatments (eg hydro) too - was with Sainsburys but they were extremely inefficient at processing our claim.

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• Referral from July 25, 2014
  

  Emma B. asked:

  Can someone recommend me a horse insurance company please?

  

  Mel R. replied:

  I also use horse insurance.co.uk very good

  

  Aille W. replied:

  Petplan equine insurance. You can choose what's included in your cover and they are one of the cheapest but reliable and pay out when something happens smile emoticon xxx

  

  Linda H. replied:

  I've had many claims with e & l - never had a problem, I have however had to get the ombudsman involved to get a payout from my previous insurer, there are good and bad reviews for most insurance companies - not just equine! Sorry emma - don't want to turn this into a debate about who will pay and who won't but in my experience petplan tried not to pay and e & l always have.

  

  Ewa S. replied:

  I've got no intention of getting into debate, I have just provided a bit of information which I consider relevant when choosing insurance company. People can react thinking ''great, I loved E&L, now I know where to fins them'' or ''crikey, I dislike E&L, now I know who to avoid''. I don't insure for vets fees, or loss of use, so it has no bearing on me whatsoever.

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• Referral from July 24, 2014
  

  Rebekka J. asked:

  Looking for opinions on the best horse insurance to get? Might be taking a horse on full loan who is uninsured so would rather have something to cover my back! He's a 16.2hh gelding, 15 this year. Any help would be greatly appreciated!x

  

  Leanne C. replied:

  Horse insurance.co.uk dont do veteran policies I dont think Amy Keegan, well they couldn't cover my 19 yr old 2 months ago due to his age and i had to go direct to e&l for my old boys insurance but your right they are Part of e&l group and I haven't had trouble getting e&l to pay out and well like i said earlier one of my claims was for between 4-5 k for a cat who developed kidney failure and another for about 3 k for a torn tendon, I have never had to claim the horse insurance fortunately as its only over routine things Like vaccines or a bit of sedalin for the dentist coming i needed the vet for so far but I don't see why they will be any different for the horse than they have been for cats

  

  Gillian T. replied:

  vet cover on a 15 year old might be pricey! have a look at the veteran horse society and see who they recommend! might be worth looking a vet plan separate from insurance.

  

  Hollie R. replied:

  If you can qualify him for the petplan veteran insurance, it's so cheap! But I have a feeling they have to be 16😕 Other than that you'll be £30-ish. When I was looking at insurance for willow I tried quotes for veteran insurance and normal insurance and she's 18 so I doubt you'd be any more than £30 a month.

  

  Leanne C. replied:

  If it's 15 or over its needing a veteran Insurance policy for most providers, my 16h 19yr old is costing me about£17 a month with e&l and the quote was coming out about the same with pet plan. Tho e&l does have a higher level of cover for vet fees than pet plan. I have e&l for both my cats and i hear a lot of bad things about them but honestly they paid out on quite large claims for both my cats (one of them in the 4-5k region) no probs. You need to find insurance that will cover what you want tho, I don't have stabling costs insured on mine or tack and equipment Cover. With regards to your fly issue a fly mask and bathing should help clear his eyes up my boys eyes get in a terrible mess from the flies all gooey and swollen bath them stick a fly mask on and its good in less than 24hrs

  

  Amy K. replied:

  Horse insurance .co.uk. They have basic insurance for 4 a month death of horse public liability etc. I paid this for my boy who was put to sleep with colic and they paid out even tho I never got a post mortem done. I insure my pony for 17 a month for vet fees and it's max 5 k per get incident any dependant on horses worth. Think they are underwritten by e and l but they are cheaper an better deals than e and l. And they paid out within few weeks for me. X

  

  Amy K. replied:

  Oh I wasn't sure I did do a quote for a horse that is 17 and they could cover him that was about a month ago but it may depend on amount insured etc I'm not sure I'm just sure I read that e and l only covered vet fees up to the value of horse insured which in case of my last wasn't very much lol where as horse insurance did up to 5 k regardless as I rang up to double check as couldn't quite believe that I'm happy with them as well. We seem to have had good luck with them Leanne

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• Referral from July 1, 2014
  

  Ross D. asked:

  Hello and good afternoon! Do any of you lovely people have any recommendations for equine insurance companies? Or any I should avoid? Thanks

  

  Debbie P. replied:

  A friend of mine has had a lot of problems with e&l also known as horse insurance.co.uk. SEIS are excellent and very competitive.

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• Referral from June 9, 2014
  

  Stefan R. asked:

  Does anyone use animal friends to insure their horses? Are they any good ? Thanks in advance.

  

  Amy C. replied:

  I have just left horse insurance.co.uk because i didn't realise there underwriters were e&l, they have a very bad reputation

  

  Natalie M. replied:

  try kbis insurance very good

  

  Dillon B. replied:

  I use them for my dog insurance and they were very helpful and payed out straight away x

  

  Mercedii S. replied:

  I use them for my dog but very expensive for horses. Horse insurance is cheap and easy to use x

  

  Mercedii S. replied:

  Well I got a quote for my 5 year old highest cover they wanted £45 and then horse insurance quoted me £24 for the same xx

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• Referral from May 13, 2014
  

  Carly K. asked:

  Hi does anyone no or are insured with e & l insuranse and are they any good please thank. U x

  

  Hayley J. replied:

  Got mine with horse insurance.co.uk which are the same people, was only with them a month and my horse had to have an operation, they paid out quicker than nfu :-)

  

  Belinda H. replied:

  Had my caravan insured with them, had to take them to insurance ombudsman they tried every which way out of paying out, know people who had horses insured with them and their experience was a nightmare!

  

  Kathryn S. replied:

  Animal Friends were a nightmare when my horse had to be pts. Then they refused to pay out when Milo had those problems with his mouth too. Good and bad with all insurance companies tho x

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• Referral from April 8, 2014
  

  Peter K. asked:

  who can tell me the insurance company Karl recommended for Matrix ? thanks in advance

  

  Penny C. replied:

  Holistic insurance.co.uk same one I mentioned earlier

  

  Cheryl W. replied:

  Just went and looked at mine - Holistic Insurance Services

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• Referral from December 6, 2013
  

  Kelly D. asked:

  Pet insurance? Who should i ring? Any suggestions welcome xx

  

  Julie S. replied:

  Pet insurance.co.uk they offer lifetime policies at a good price n vet told me they r best to get xx

  

  Donna H. replied:

  Pet insurance.co.uk I have mine with these reasonable xx

  

  Debbie L. replied:

  iv always ad Tesco pet insurance there very reasonable x

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• Referral from November 25, 2013
  

  Gez B. asked:

  Horsey peeps, anyone one insure with horse insurance.co.uk? Experiences? Pet plan are getting too expensive!

  

  Katie D. replied:

  Im another NFU advocate. Insurance.co.uk are underwriten by E&L and I'd be wary. Renound for taking ages to pay which makes it hard for vets to allow a direct settlement with the insurance company.

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• Referral from April 5, 2013
  

  Wedding I. asked:

  Qu: hi, could anyone recommend any good wedding insurance companies? my wedding isnt for 2 years but we have booked because it is a very special day for us so we need insurance1 thank you .

  

  Louise M. replied:

  Ive used my-wedding insurance.co.uk. Allows you to pick and choose what you want to insure. Got mine for £20 x

  

  Michelle C. replied:

  i used my-weddinginsurance ( part of e&l) but more options

  

  Keri E. replied:

  I went with my-wedding insurance. They were the best I found as you could pick and choose what you wanted covered. Handy as we saved on things like presents as they'll be covered by John Lewis gift list etc x

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• Referral from February 11, 2013
  

  Ann W. asked:

  Just fallen out with animal friends insurance & cancelled Bentleys insurance, can anyone recommend another insurance company.

  

  Michelle W. replied:

  i am with pet insurance.co.uk

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  View full conversation on Facebook
• Referral from January 25, 2013
  

  Nicola W. asked:

  Can anyone recommend an equine insurance company please? Tried Pet Plan, estimation was £65 per month - is this about normal?

  

  Sussex C. replied:

  Petplan, Nfu and knis seem to be the best ones, Nfu mildly more expensive but do pay out quick... In saying this I have a couple of mine insured with e and l ( didn't realise as they also trade under horse insurance.co.uk ) and they payed out almost £5000 for my Arab and about £3500 for my tb x with no problems at all so I can't say anything bad really ... Gem

  

  Sussex C. replied:

  Insurance is so expensive I pay £33 per month but that's for a under 3 year old so not insured for any ridden activitys just field insurance. That's with seib and I must admit they are good as the paid out allot of money on my mare 5 years ago. Also if you phone them direct they do a cheaper quote then online. Val

  

  Helen C. replied:

  I think if you join the BHS you get insurance included?

  

  Janey P. replied:

  yeah E&L are crap i had riders insurance with them ive just cancelled it as ive heard they are no good from quite a few folks now. x

  

  Sam H. replied:

  Nfu r best. I've put claims in over the past three years for thousands and they paid up no problem. You have to be careful with cheap insurance because they don't cover incidentals like travel to specialist vets, stabling costs, veterinary nursing care etc. Really read the small print.

  

  Kelly H. replied:

  do not use e+l my old mare broke her shoulder and they refused to pay a penny .. nfu and petplan have both paid no prob but your save yourself a bomb by getting the bhs gold membership and your get free liabilty cover and just insure the basic vets fees and loss of use unless your horse is very expensive or has expensive tack i dont cover for death or tack by doing it all this way my insurance on a 5 yr old sports horse for general hacking local shows xc schooling and the odd hunt is £23.90 a month with petpan and thats with rider cover .. if you go online you can get an exact quote xx

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• Referral from November 3, 2012
  

  Heartwarming C. asked:

  Can anyone recommend where to go to get public liability insurance for stallholders? Having trouble getting competitive quotes and some craft fairs require it.

  

  Heather B. replied:

  Try craft insurance.co.uk

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• Referral from October 16, 2011
  

  Horses U. asked:

  Where can i find cheap horse insurance?~lauryn

  

  Carly H. replied:

  Horse insurance.co.uk x

  

  Karen S. replied:

  The cheaper horse insurance may not be as gd as the more expensive ones. The more expensive it is the quicker they tend to pay out but the cheaper ones tend not to pay out as quick if at all. So just be careful that's all I'm saying :)

  

  Rachel B. replied:

  I thought horse insurance was e & i ?? I am with carraigehouse and they are brill paid out without question i 5 days .

  

  Sharon H. replied:

  Equine friendly insurance and also do pets as well get discount too xx

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Recommendations from Kelly S.

• Referral from September 24, 2016
  

  Charlotte H. asked:

  I'm looking for a bit of advice on which are the best insurance companies to use, I know about E&L having used them previously and not had great experience with them. We've used NFU and whilst they are good they are extremely expensive. Got a few quotes from EquiCover but never used them? Wondered if they are any good? Pet plan won't seem to insure without a vetting.. Any advice would be good, because whilst people saying insurance is pointless I'm not in a position to have £1000's put aside incase anything happens having just finished university.

  

  Kelly S. replied:

  I know E&L have an absolutely appalling reputation but I cannot fault them. I recently had to claim on my insurance which was provided by horse insurance.co.uk and underwritten by E&L and i ended up claiming and they paid in full obviously minus my excess which I paid directly to my vets. The only fault I have is that they paid me not my vets directly but I honestly have no issues in the way the claim was handled or dealt with/paid etc. I couldn't fault them despite dodgy reports I've heard previously.

  

  Kelly S. replied:

  I think that to some extent it depends on your vet also, I can't fault my vets in the fact that they are incredibly thorough, the only gripe I would have is that once they know it's an insurance claim, treatment is "perhaps extended" slightly, due to that fact, that's my only issue (which is nothing to do with insurance provision).

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Recommendations from Jo T.

• Referral from September 3, 2013
  

  Georgie H. asked:

  Can anyone recommend any good horse insurers?

  

  Jo T. replied:

  Petplan are fab really quick at paying out but you do pay for their quick turn-around - but also try horseandhound.co.uk/insurance to compare prices & also can bespoke to cover i've just done this for one of mine and made a huge saving - steer clear of E&L and horse insurance.co.uk not very good at clearing claims x

  

  Jo T. replied:

  I haven't done loss of use with mine as it does bump the premium up a lot and also in my opinion if your not doing big money classes its not really relevant - most will only pay market value or insurance cost which ever is lower in the event of loss/death etc. What's the horse like? x

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Recommendations from Laura L.

• Referral from July 27, 2013
  

  Jessie N. asked:

  Can any1 recommend good pet insurance for 2 rabbits??? :))

  

  Laura L. replied:

  Pet insurance.co.uk has been good so far for us. Where are these pics of your new bunnies! Xx

  

  Laura L. replied:

  I don't know where that link has come from, it's not for the pet insurance. Xx

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