Insurance premiums, such a variation??

Discussion in 'Horse and Rider Insurance' started by Ali, Jan 9, 2009.

  1. Ali

    Ali Well-known Member

    I've just been getting afew on line quotes for horse insurance and I've so far obtained 3 quotes all with varying costs. I've been looking at just the basic cover and for the same horse to be insured for the same useage and same value there is a $120 difference between the cheapest and most expensive!!!??? Doesn't seem to make sense when they all offer the same thing?? Has anyone else found this?
  2. SexyRitzy

    SexyRitzy Well-known Member

    Ali...can you please PM who you have contacted.. i'm on the hunt for insurance as well.. gotten one quote and well its a bit higher then i was planning on paying a month. thanks:)*
  3. Ali

    Ali Well-known Member

    Pm sent :)
  4. himitsu

    himitsu Well-known Member

    i dont see why not? I get same thing for my car... The cover note i got was over $1k, and yet the insurance i went with was $500
  5. SandownLodgeJelks

    SandownLodgeJelks Well-known Member

    could you please pm me the insurers you have contacted. i have only done a quote with Petplan.
  6. himitsu

    himitsu Well-known Member

    I only looked at petplan because i wanted vet fee insurance and didnt come across anyone else who did it :)
  7. jonty

    jonty Well-known Member

    I went with Logans Insurance in VIC, they are great!
  8. himitsu

    himitsu Well-known Member

    do they cover vet fees?
  9. Wrangler Miss

    Wrangler Miss Well-known Member

    I'd be interested in know what insurance compaies are best as well :)

    Vet cover would be a bonus!
  10. Sassy

    Sassy Gold Member

    Perhaps some insurers are less as they specialise in equine cover, other insurers that cover all animals may be more expensive due to resources.

    I know with general insurers, they have no chance of matching specialised insurers, for eg. Elders Vs RAC for vehicle cover.
  11. QH Rulz

    QH Rulz Well-known Member

    Yep Logans have vet cover... And they are great to deal with...

    When i made a claim i had the money back within a few weeks.
  12. himitsu

    himitsu Well-known Member

    did you read the policy?
    "N.B. The amount payable is limited to the applicable amount below or the same as the BASIC COVER above, whichever is the lesser.
    $1,000 or $2,000 a year per Horse as specified"

    This is MUCH different to Petplan...
    Section..................................Maximum each Year....Excess
    Vet’s Fees Section 3 (normal).....$10,000...................$ 200

    Personally i could find $2k but not $10k...

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