E&L Horse Insurance??????????
Jason
from the stables where we keep the horse.
Surprise, surprise they won't pay up.
1) Were there five lever dead locks on the door? (we don't even have them on
our house)
2)Were there more than four horses kept at the stables? (I don't think the
stables would be in business if there weren't)
When we get our house insurance they ask us about the locks on the house and
adjust the premium accordingly. E&L didn't bother.
Most of the people I know who keep horses keep them at stables. I wonder how
many of them have E&L insurance and know that they are not covered if there
are more than four horses at the stables.
It would appear to me that their insurance is simply a very expensive and
not particularly attractive piece of paper.
My wife has contacted trading standards and is currently trying to get a
list of people who have had similar experiences. If you or any friends have
had similar experiences with E&L could you e-mail her
eand...@hotmail.com.
Any suggestions for a decent insurance company would be greatly appreciated.
Thanks
KellyB
wrote:
>We have our horse "insured???" with E&L and recently had our tack stolen
>from the stables where we keep the horse.
>Surprise, surprise they won't pay up.
>1) Were there five lever dead locks on the door? (we don't even have them on
>our house)
You will find most policies stipulate that a deadlock is fitted to all
external doors and it clearly states this is the schedule and policy
docs.
>2)Were there more than four horses kept at the stables? (I don't think the
>stables would be in business if there weren't)
The policy does not limit the number of horses kept to only 4, there
is a different classification for over 4 horses on a yard, and it
affects the premium slightly.
>
>SNIP
It never ceases to amaze me how many people just sign a proposal form
without checking the cover they are applying for, end up under insured
or not covered at all, and then moan when the Insurance Company
reduces the settlement or refuses the claim.
The general rule as far as deadlocks are concerned is this:
If deadlocks were not fitted, were there other security measures in
place at the time of the theft.
Were the other security measures comparable to or more effective
than having deadlocks fitted.
Did the lack of a fitted deadlock make the premises more vulnerable
to a theft or attempted theft.
Be fair, insurance companies as I am sure you know work on a risk
basis and set premiums according to the risk, if they stipulate
deadlocks then they in all fairness should be fitted, or if the policy
holder cannot be bothered to fit them an increased premium should be
charged. A comparison would be a motor vehicle policy that stipulated
drivers should be over 25....would you expect to have a claim settled
if an 18 year old was driving at the time of an accident?
Regards
Kelly Beaumont
Insurance Assessor
Jason
No but the car insurance company would ask you how old you are!
How many car insurance policies have exclusions on the number of cars on the
road
at the time of the incident?
KellyB wrote in message <3606055b...@news.globalnet.co.uk>...
KellyB
wrote:
>I didn't get anything from E&L listing the exclusions they are claiming.
Not that I don't believe you, but are you sure you have checked all
the docs?
>No but the car insurance company would ask you how old you are!
>How many car insurance policies have exclusions on the number of cars on the
>road at the time of the incident?
Not exclusions beacause of the number of cars, no, but additional
premiums if you live in a more populated area (ie more cars hence more
risk). There are a couple of exceptions to this rule that are linked
to how many people in one area there are insured with one company, and
also high risk areas, but that is the gist of it. OK, how about....if
you told an insurance company you lived in a sleepy village and when
submitting your claim it turned out you lived in a town...would you
expect a settlement? Maybe this car thing has gone too far but from
the number of horses on a yard point of view, the more horses the more
tack, the more tack the more attractive it would be to a thief, the
more attractive the more the risk and voila...increased premiums.
Don't misunderstand me, I hope you are covered and that Eq&Leis pay
out (rival co.!!), but I am trying to be objective. I started my
career as a Loss Adjuster, and have pretty much heard all the
arguements, but unfortunatly there is only black and white where
claims are concerned, either it's covered or it's not!
Good Luck
albi...@hotmail.com
Check to see if you are covered for stolen rugs ....- the stable where I was
got cleaned out - and my tack was covered - but NOT rugs... and with rugs
costing up to £150 each now it was a significant shortfall in payout.
I am now insured with Guardian Direct - not the cheapest but they DO pay out
- if you have receipts, and if your stables have taken reasonable precautions
to secure your tack, including alarms, locks, dogs, lights.....
Irrespective of what security measures your stables has - clearly postcoding
your tack is a must. It hurts to paint your postcode on a nice, new,
expensive rug - but it works. Similarly your saddle and tack can be clearly
branded.
You can even get you farrier to make up a "personal" brand - small enough to
fit on stirrup leathers, headpieces, etc. - has the added benefit at a large
yard of knowing that the item is yours.
Invest in a small "hobby" engraver and engrave your postcode on metal items,
stirrup bars, bits, etc. Only takes a few minutes and you only have to do it
once for each item - ideal job for a winter evening !!
The police understand postcodes...... and if your stables does not have a
secure tack room - Don't Leave Your Tack There. - or have "good" tack for
yourself and cheaper synthetic tack for general use. Leave the good tack at
home and the cheap set at the stables.
Tack theft is BIG business and very little is recovered. The days of a simple
padlock being sufficient are long gone !! Too many tack thefts from insecure
tack rooms have gotten the insurance companies very keen to look for any way
to avoid paying - and every payout forces up premiums for next year, for
everyone.......
Ann
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Alexis Haines
>
>We have our horse "insured???" with E&L and recently had our tack stolen
>from the stables where we keep the horse.
>Surprise, surprise they won't pay up.
There have been quite a few similiar stories.
>1) Were there five lever dead locks on the door? (we don't even have them on
>our house)
>2)Were there more than four horses kept at the stables? (I don't think the
>stables would be in business if there weren't)
I would suggest you read the small print, a lot of insurance
companies insist on 1) and no they don't ask you about the locks. Most only
ask is the tack room locked, it is not until you read the policy ...
It is your job as a consumer to obtain a sample policy and read it
in advance.
I have never heard of 2)
>
>When we get our house insurance they ask us about the locks on the house and
>adjust the premium accordingly. E&L didn't bother.
>Most of the people I know who keep horses keep them at stables. I wonder how
>many of them have E&L insurance and know that they are not covered if there
>are more than four horses at the stables.
This strikes me as your real ground for complaint.
>
>It would appear to me that their insurance is simply a very expensive and
>not particularly attractive piece of paper.
>
>My wife has contacted trading standards and is currently trying to get a
>list of people who have had similar experiences. If you or any friends have
>had similar experiences with E&L could you e-mail her
>eand...@hotmail.com.
>
>Any suggestions for a decent insurance company would be greatly appreciated.
>Thanks
>
>
I have had a very happy time with bankers equine direct 01494 603 603
but they too insist on a properly locked tack room.
Alexis
Liz and Basil The Nag
Alexis...@rl.ac.uk (Alexis Haines) wrote:
=In article <6u4uro$3sm$1...@news.enterprise.net>, "Jason"
<jmul...@serif.com> says:
=>2)Were there more than four horses kept at the stables? (I don't think the
=>stables would be in business if there weren't)
=I have never heard of 2)
I have. When I was with GA they said that a place with more than 4 neddies
had to be insured as 'tack kept at commercial premises' which was a fiver
more than ordinary tack cover. Regardless of whether it actually was
commercial or not. There were two boxes to tick. We had more than 4 so I
ticked the relevant box (incidentally, my tack was the only tack not nicked
when they broke in because I had uncharacteristically taken it home).
But it is obvious and not unreasonable. The risk of a big store of tack
being broken into is greater than a tiny yard with only a handful of gear.
And they also insured the tack *only* if it had that proper kind of lock
already mentioned.
I am now with Bankers and I am reasonably happy and they paid my claim - no
quibbles, no worries. Alexis posted their phone number.
Know what you are buying.
Cheers!
Liz and Basil The Nag
--
-------------------------------------------------
cvsec at leeds dot ac dot uk
-------------------------------------------------
Howard Swift
KellyB wrote in message <36062998...@news.globalnet.co.uk>...
>you told an insurance company you lived in a sleepy village and when
>submitting your claim it turned out you lived in a town...would you
>expect a settlement
I may be niaive here.... but I've always had to quote my postcode when
scouting around for car insurance deals, and I had assumed that was how the
loading as to village or town location was calculated.
Gail
Jonathan J Quick
<6u4uro$3sm$1...@news.enterprise.net>...
> We have our horse "insured???" with E&L and recently had our tack stolen
> from the stables where we keep the horse.
> Surprise, surprise they won't pay up.
*All* insurance companies try not to pay out if possible (and who can blame
them given the amount of insurance fraud around), but some are definitely
worse than others - E&L have a history of failing to meet their contractual
obligations (I have a friend who has suffered from their antics so can meet
a libel case just in case any E&L employee is reading!), and the way to
deal with them is simple:
1) Make your formal insurance claim using the appropriate forms if
possible.
2) If this is turned down, write to them disputing their decision and ask
them to reconsider.
3) If they still refuse and you don't agree with their stance write to
their MD repeating your claim, and stating your intention to take the
matter to the Insurance Ombudsman.
4) If they still won't pay do just that, write to the Insurance Ombudsman
and ask him to investigate.
5) If all else fails and you're 100% sure of your case, you can take them
to the small claims court (mind you if your case is that good the Ombudsman
will have done something about it).
Send *everything* recorded delivery, and keep full copies of everything you
send. I've yet to have anyone fail to pay up on a valid claim if these
procedures are followed - usually you don't need to get as far as step 4.
JJ.
--
Email: jjq...@foxtrot.co.uk
Homepage: http://www.foxtrot.dircon.co.uk/
Petra
again, and have been taken apart by Watchdog.
I thought everyone knew by now - but obviously not. I would rather not
insure than insure with them !
One of their little cons to make their prices look much better than they are
is to give a monthly rate - and only when you read the tiny small print do
you realise that their monthly rate is in something they call
"lunar-months" - in other words - every 28 days rather than once a month.
This makes the yearly rate 13 x monthly payment - not 12 times as people
assume !!!!
Plus they have an extraordinarily bad payment record. Ask your vet who they
recommend - they will NOT say E and L !!!!
Petra
Elite Equines Ltd.
do a survey of the property... After all they could then not refuse to
pay out.
The insisted on some changes at the time of the inspection, of which all
were done and copies of invoices sent to the Insurance Company.
Why not try this route if you feel aggrieved, but be fair and offer to pay
for the visit... most will not charge but don't complain if they do as you
paying for peace of mind...
I will not mention the Company in case the got inudated.
Tony.
----------------------------------------------------------------------------
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Martin A R Kerr
My horse has been diagnosed with Navicular syndrome. When my vet found out
who I was insured with he was horrified. The vet started off with remedial
shoeing which worked for a while. However in the two months that he was
sound E & L put a clause on my policy for navicular. Which now has left me
with enormous vets bills.
I would have thought that navicular would have been classed as ongoing
treatment. They also refused to pay out for loss of use on my policy.
If anyone out there is insured with them I'd advise you not to make the same
mistake I Made. Check your policy extremley carefully. Or even better ask
your Vet to reccomend an insurance group.
Patrick E Walker
were not allowed to recomend any specific compay. They indicated that
this was an official restriction.
In article <6v2fp3$cgu$1...@phys-ma.sol.co.uk>, Martin A R Kerr
<marti...@sol.co.uk> writes
--
Patrick E Walker