Hi, I’m buying a horse who I have been sharing for the past few years.
im buying him below market value as his owner wanted him to come to me, so I don’t require a vetting to get insurance and as he had a 5 stage vetting recently and I know him well (and am not paying a huge amount for him) I don’t feel the need.
He failed the previous 5 star on a very slight lameness so had a full lameness work up including MRIs which found a minor issue likely caused by hard ground and/or hoof imbalance which has been rectified (as far as we know!) through some farrier changes and some time off. Since then he has been sound but of course on his current policy he now has an exclusion of this very specific issue.
im going to take out a new policy - do I need to declare this previous claim or can I get away with claiming ignorance of his history? I could change vets but don’t have to (horse is staying at the same yard). I have an elderly horse who has never had a soundness issue or anything else (I’ve been incredibly lucky!!) so I’m very out of touch with horse insurance these days!!
What would you do? I know what I technically SHOULD do of course 😀