NFU Mutual Equestrian Insurance Review

NFU Mutual Equestrian Insurance Review

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Horse Insurance is complicated, there are many terms that you need to understand and conditions you need to adhere to. Horses are expensive animals and choosing the right horse insurance is crucial, as the wrong decision now could have financial consequences later.

Our independent rating and review highlights the important points we think you should know about when choosing an insurance policy to cover your equine.

Once you have read this review of NFU Mutual Horse and compared polices using our unique search facility, you will have all the information you need to make an informed choice.

Who are NFU Mutual Equestrian Insurance

NFU Mutual Horse Insurance reviewed by Jonathan 17/03/2021.

The National Farmers Union Mutual Insurance Society or NFU Mutual for short was formed in 1910 and sells it's policies predominantly through a network of tied agent, underwriting more than £1.5 billion in annual premiums.

Because the NFU does not have shareholders, a large portion of profits are returned to customers in the from of discounted premiums.

The NFU provide insurance for vehicles, property, homes, businesses as well as agricultural insurance including horse insurance.

NFU horse insurance is underwritten by The National Farmers Union Mutual Insurance Society who are Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

How to Buy Equestrian Insurance from NFU Mutual Horse

Click on the website link to go directly to the insurance providers website. Visit NFU Mutual Horse's Website and Get a Quotation direct

How NFU Mutual Equestrian Insurance 's Policies have been ranked using our star rating formula?

Click on the white bars on the right side of the policy boxes below. Expand the content to view star ratings of all policies offered by NFU Mutual Horse.

Veteran Policy Ratings Click to Expand

found no policies available for this section.

NFU Mutual Veteran Insurance Review

Rider Policy Ratings Click to Expand

found no policies available for this section.

NFU Mutual Rider Insurance Review

Horse Trailer Policy Ratings Click to Expand

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NFU Mutual Horse Trailer Insurance Review

Horsebox Policy Ratings Click to Expand

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NFU Mutual Horsebox Insurance Review

Horse Policy Ratings Click to Expand

We have reviewed 2 Horse Policies from NFU Mutual equine Insurance. They are - Horse and Rider Insurance Standard - Horse and Rider Insurance Veteran. We have rated these as follows:-

Rating for Horse Horse and Rider Insurance Standard:

Rating for Horse Horse and Rider Insurance Veteran:

NFU Mutual Horse Insurance Review

Key Points you need to know about NFU Mutual Horse's policy wording

1. What are the eligibility criteria for Horse Insurance?

Your horse must be between the ages of 30 days to 19 years of age inclusive. (Veteran policy 16 - 30 years inclusive).

You must take reasonable care to prevent accidents, illness or damage and keep claims as low as possible.

You must do everything reasonable to look after your horse, including appropriate worming and vaccination, regular foot care by a registered farrier and annual dental checks.

You are expected to comply with any relevant statutory requirements or regulations imposed by any authority.

You should ensure that any person responsible for the care, custody and control of your horse adheres to the terms and conditions of the policy.

2. What do horse insurance vet fees cover?

NFU Standard horse insurance covers vet fees up to £5,000 per incident caused by an accident, illness, or disease. The claim is restricted to the benefit limit or 12 months whichever comes first

NFU Veteran horse insurance covers vet fees up to £5,000 per incident caused by an accident only. The claim is restricted to the benefit limit or 12 months whichever comes first

In addition both policies cover up to 50% of hospital livery costs if it is necessary for your horse to be hospitalised and reasonable transportation costs to get your horse to the veterinary hospital.

3. What's not covered?

Many customer issues with insurance are as a result of a claim being declined or a settlement amount less than the customer was expecting. Not all, but a significant number of these issues are caused as a result of the customer either not reading the policy wording, or understanding the meanings of the terms and conditions that have been applied to the policy. 

It is important that you read the policy wording carefully to understand what is and isn't covered. We appreciate that not all policy wordings are easy to understand and horse insurance is no exception. To help you with this we have highlighted some of the important exclusions.

NFU Mutual do not cover;

  1. Routine health care including routine farriery, elective treatment or wolf teeth removal.
  2. The cost of investigation into or treatment of behavioural problems unless directly due to a physical condition.
  3. The cost of castration, cryptorchid castration or any associated or subsequent treatment, unless your vet certifies in writing that complications have arisen and that emergency treatment has become necessary to save the life of your horse.
  4. Further treatment of your horse after a loss of use claim has been paid.
  5. Tetanus claims unless your horse has had a current tetanus vaccination.

4. What activities can I insure my horse for?

NFU mutual have decided to list what isn't covered under each type of class of use

Class 1 use includes all activities except:
Advanced eventing;
Polo;
Team chasing;
Ice tolt;
Promotional, film or stunt work;
Horse boarding or horse surfing;
Racing.

Class 2 use includes all activities except:
Ice tolt;
Promotional, film or stunt work;
Horse boarding or horse surfing;
Racing.

Class 3 use includes all Class 1 activities plus any other specific activities that are listed on your schedule of insurance.

5. What are the Insurers vetting requirements?

There is no information provided by NFU regarding their vetting requirements, so you would need to contact them direct.

6. Who is covered to ride my horse?

NFU cover any person named under Horse Rider cover on your schedule, rather than a blanked approach covering anyone with your permission.

7. Does the policy cover complementary treatments?

The NFU policy covers complementary treatments and alternative husbandry.

Complementary treatments are described as Remedial farriery, remedial dentistry, hydrotherapy, acupuncture, physiotherapy or chiropractic or osteopathic manipulation, carried out on your horse by a qualified person and recommended by your vet.

Alternative Husbandry is described as the additional costs of renting a stable, different bedding, feed or feed supplement required by your horse, specified by a vet and agreed by the NFU, less the normal costs of a reasonable level of care for your horse. If rubber matting is recommended NFU will pay up to 50% of the total cost.

8. Will the policy cover me if my horse dies?

NFU will pay the market value or sum insured for your horse whichever is the lower if your horse dies or has to be put to sleep as a result of an accident, illness or disease.

If treatment is in progress, but your horse dies or has to be put to sleep, NFU will pay the death benefit provided that death occurred within 104 weeks from the date of the incident.

Euthanasia can be performed without the written consent of NFU provided the vet can confirm that the injury could not be treated and the suffering is so excessive that it is not humane to keep the horse alive.

This criteria is in accordance with the current British Equine Veterinary Association (BEVA) Guidelines for the Destruction of horses under All Risks Mortality insurance policies.

Exclusions

The policy does not cover death caused by behavioural problems unless directly due to a physical condition.

You will be expected to arrange and pay for a post mortem report.

The veteran policy only covers your horse in the event of an accident.

9. Does the policy cover the cost of disposal?

The NFU will pay up to £250 for a bona fide disposal centre to dispose of the body.

10. Will the policy cover me if my horse is lost or stolen?

NFU standard horse insurance will pay the market value or sum insured for your horse whichever is the lower if your horse is stolen or mysteriously disappears.

The policy also covers rescue costs, advertising and reward costs and irrecoverable entry fees up to £750.

11. Does the policy cover saddlery and tack?

NFU define saddlery and Tack as Saddles, bridles, harnesses, lead reins, halters, head collars, stirrups, stirrup leathers, girths, numnahs, rugs, blankets and other equine clothing, grooming kits, first aid kits and clippers, which belong to, or are the responsibility of you.

NFU will pay for unexpected and unintended loss, theft or damage to your tack. This will be the cost of repairing or replacing the items, whichever is less.

Exclusions

Theft from a building unless there has been forcible and violent entry.
Theft from a caravan, unattended motor vehicle or unattended horse trailer, unless all items are concealed from view, all windows are closed, all access points are locked and there has been forcible and violent entry.

12. Can my horse be covered against loss of use?

This is an optional section you can choose to cover. The NFU will pay 80% of the market value or sum insured whichever is lower, less the value of your horse taking into account the horses specific disability and whether you are still able to use the horse (e.g. for breeding), if your horse is unable to perform one or more of the uses for which it is kept and insured for as the result of an accident, illness or disease.

You must allow the horse a minimum of three months to recover and if treatment is in progress but ultimately fails, NFU will still pay the claim within 104 weeks of the original incident.

Exclusions

NFU will not pay for the the inability of your horse to be a show animal; -due to any wound, scar or blemish, -solely as a result of being barred from participating in shows due to regulations laid down by any breed society or other governing body, in respect of horses that

  • Have been operated on for their wind, or -have any congenital or hereditary abnormalities;
  • The inability of any HORSE to perform the duties of a stallion at stud;
  • Behavioural problems unless directly due to a physical condition.

Horses must be over 3 years old (horses under 3 are covered for in hand showing only) and this cover does not apply to the veteran policy.

13. Does the policy cover me against Personal Accidents?

NFU will pay up to £20,000 in the event of you or anyone named on your insurance schedule dying or suffering total disability , loss of limb, sight, speech or hearing as the result of an accident whilst taking part in an insured activity with your horse.

You are insured for all activities apart from ice tolt; promotional, film or stunt work; horse boarding or horse surfing; racing, except pony racing or point-to-pointing. This includes whilst a horse is in your care or while being transported to or from the insured activities.

A claim can be paid up to 104 weeks from the date the accident occurred and includes cover for dental work and temporary total disability and hospital benefit.

Personal Accident cover is only available for those between the ages of 5 to 75.

Exclusions

The policy excludes an accident directly or indirectly arising from or in connection with:

  • pregnancy or childbirth;
  • suicide or deliberate self-injury;
  • alcohol or drugs;
  • any business or profession;
  • riding establishment activities except where you are a paying customer.

If you are under the age of 18 and have missed education, NFU will pay up to £1,500.

14. Can I cover more than one horse under the same policy?

There is no mention of the number of horses you can insure under the same policy.

15. Will the policy cover my horse's pre-existing medical conditions?

NFU Mutual will not pay any claim which directly or indirectly arises from, or is connected with:

  • Any accident which happened or physical condition which first appeared before the start of the insurance.
  • Any accident, illness, disease or condition that happened, manifested, was present or had been diagnosed in your horse before the start of the policy or, was the subject of a previous claim under an existing policy, including but not limited to;
  • Any form of arthritis (including but not limited to bone spavin and degenerative joint disease).
  • Any colic episodes where previous surgical colic has been performed.
  • Sarcoids.
  • Tendon or ligament strains, sprains or ruptures occurring in the same or opposite limb.
  • Lameness associated with structures within the foot recurring in the same limb or happening in the opposite limb.

16. Will the policy cover my mare if she becomes pregnant?

NFU Mutual exclude pregnancy, parturition or investigations into infertility, unless your vet certifies in writing that complications have arisen and that emergency treatment has become necessary to save the life of your horse or its unborn foal.

17. Is there a waiting period before I am covered?

There is no cover under the policy for the first 14 days in respect of any claim for illness, disease or condition.

18. How much of any claim do I have to pay?

You have to pay the first £145 of every separate claim for vet fees.

You have to pay the first £250 of any third party liability claim.

 

19. How easy is the website to use?

The website provides some information on the NFU horse insurance policy. It highlights some of the selling points, but doesn't go into much detail. Although you have access to the policy wording, you are not told about any excesses, vetting requirements.

NFU mutual require you to contact them by phone to get a quote, so make sure you have a list of any questions you need to ask them.

20. Is the policy wording easy to understand?

The policy wording is 50 pages long, although this does include not only the standard policy, but veteran and rider only policies.

There is no summary of cover, although some of the sums insured are mentioned within the specific section. There is an index, to help with navigation. Like other policies, there has been no real effort made to modernize the layout and help the customer.

NFU do put the relevant definitions used at the top of each section and we found it a bit easier to comprehend than some other policies. Even so in our tests, the wording only scored 27.3 out of 100 and was classed as very difficult to read with a graduate level and above reading ability required to be able to understand the text.

21. What do customer reviews say?

NFU have received over 300 reviews on trustpilot in the last 12 months. Their overall rating is 2.8 out of 5.

Although reviews relate to all types of insurance, we managed to find some reviewing horse insurance. Some reviewers had issues with administration and claims settlement, although there were also some positive reviews in respect of claim settlement as well.

22. Are there any special discounts or promotions?

There are currently no special discounts or promotions

23. Overview

The NFU horse insurance policy provides comprehensive levels of cover and we have given the policy a 5 star rating. There are fewer terms and conditions than some of the other policies and extra cover such as the equine rescue service and holiday cancellation cover, although the policy wording is not really that consumer friendly.

We cannot comment on whether or not horse insurance is competitive as there is no facility to obtain a quotation online.

If you need comprehensive horse insurance, read the policy carefully to make sure you understand it fully and contact NFU direct to obtain a quote for your horse.

NFU Mutual Horse's Mystery Shopping Ratings

That's Insurance have spent some time mystery shopping on nfu-mutual-horse-insurance-reviews's website. The policy wording, website, customer service/buying process have been carefully reviewed and each section awarded a user friendly score, which you can see below.

Policy wording - Marks are awarded for Layout, Readability ,Terminology, Communication and Appropriate information.

Website - Marks are awarded for Layout/Navigation, Access to important information e.g. policy wordings, Clear Explanation/Comparison of policies, including limitations, Frequently asked questions.

Customer Service – Marks are awarded for the Buying process, Customer Service, Clear Quotations, Access to important information/Comparison of quotes.

The scores have been calculated as an overall percentage and shown on the three gauges. You can see how NFU Mutual compares to the industry average. The higher the percentage the better the company performs in each area.

Policy Wording

(layout, readability, terminology)

Awaiting user friendly score

Website

(layout, navigation, access to information)

Awaiting user friendly score

Customer Service

(clear quotes, buying process, customer service)

Awaiting user friendly score

Pro's and Con's for NFU Mutual Policies

We've highlighted Pro's and Cons for NFU Mutual, click on the white bars on the right side of the boxes below. Expand the content to view pros and cons of all policies offered by NFU Mutual Horse.

  • Equine Rescue & Legal Advice Service up to £50,000
  • 24 Hour Emergency Helpline
  • Up to 60 days cover in Europe
  • Rescue, advertising and reward costs, loss of entry fees up to £750
  • Livery costs in the event you are hospitalised up to £1,000
  • Holiday Cancellation up to £1,000
  • Alternative Husbandry Cover
  • NFU horse and rider policy awarded our 5 star rating
  • Additional riders need to be specified under the policy

What Cover do NFU Mutual policies offer.

We've listed below cover levels for policies offered by offered by To scroll through all policies, click on the arrows on the left and right of policy name section.

Policy Name Insurance Provider

  • PolicyName & Policy Type

    Horse and Rider Insurance Standard

    Horse

    Horse and Rider Insurance Veteran

    Horse

Primary Cover toggle

  • Policy Excess
    Policy Excess

    145

    145

  • Accident Only
    Accident Only Explanation
    Cover Type Icon

    0

    0

  • Per Condition Time Limited
    Per Condition Time Limited Explanation
    Cover Type Icon

    5,000

    5,000

  • Maximum Benefit Time Limited
    Maximum Benefit Time Limited Explanation
    Cover Type Icon

    0

    0

  • Dental
    Dental Explanation
    Cover Type Icon

    5,000

    5,000

  • Death from Accident
    Death from Accident Explanation
    Cover Type Icon

    20,000

    20,000

  • Death from Illness
    Death from Illness Explanation
    Cover Type Icon

    20,000

    0

  • Disposal
    Disposal Explanation
    Cover Type Icon

    250

    250

  • Theft or Straying
    Theft or Straying Explanation
    Cover Type Icon

    20,000

    20,000

  • Third Party Liability
    Third Party Liability Explanation
    Cover Type Icon

    2,500,000

    2,500,000

  • Third Party Liability Excess
    Third Party Liability Excess Explanation
    Cover Type Icon

    250

    250

Secondary Cover toggle

  • Complimentary Treatment
    Complimentary Treatment Explanation
    Cover Type Icon

    5,000

    5,000

  • Advertising and Reward
    Advertising and Reward Explanation
    Cover Type Icon

    750

    750

  • Personal Accident
    Personal Accident  Explanation
    Cover Type Icon

    20,000

    20,000

Sample Quotes from NFU Mutual Horse.

We are currently Awaiting Details of quotes for this provider.

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