Insurance Claims.....

[cosmo]

Just wanting to pick your brains......

If your excess was £100, what would be the minimum vets bill you'd claim for and generally how much does a claim bump up your premium?

[sara]

My excess was just over £100, and I put a claim in for a vets bill for £350.

I would have struggled to find the money on my own without claiming. My premium hasn't gone up at all, but they have now excluded laminitus on my policy

[cosmo]

My bill is for about £250 for an internal infection stan had the week before christmas. Could the insurance company be as vague as to put an exclusion on 'infections' if I claim? My washing machines just died rather convincingly and the £150 I'd be saving myself would go a long way towards a new one!

[dizzy]

I didn't claim for Kizzy when she retained her placenta, bill was about £300 but I have claimed for other things and I don't think premium has gone up (NFU). Reason I didn't claim was in case they excluded her for breeding insurance in the future and they do tend to exclude anything around your claim so be careful what it is.

[Jane F]

A bit of food for thought.....

When I have made a claim for the death of each of my horses I have had to submit a full veterinary history for each of them.

As it happened, for each one I susequently had to explain why I hadn't informed the insurer (SEIB - who did pay out, and Pet Plan - who did not) that I had had an emergency call out for each of them that I hadn't declared at the time!

So be warned - it may come back to bite you... Although Pet Plan didn't pay out because the call out was relevant to my claim and would have then been an'exclusion' anyway - I would just have known they wouldn't pay and not had to go through the trauma of the paperwork when I was so low emotionally. The SEIB callout was irrelevant to the cause of death so they did pay.

Its tricky and I HATE insurance companies with a passion!
Jane