It's a vicious (rip-off) cycle, though. Mine are insured with Sainsbury's. I called them to find out why Ollie's premiums had doubled suddenly. She said it's because over the past 3 years I'd made claims totalling in excess of £1000 (less than I've paid over that period!). Over a 3 year period I don't see that as excessive, especially as the largest claim was for an accident where his leg was broken. It's a bit 'heads you lose, tails you lose', because any claims will increase premiums and I can't move him to another company (or even downgrade his cover with Sainsbury's) as practically nothing will be covered. But I can't take the chance and not have him covered. I should also add that vet fees in the Uk are extortionate (have a friend in Germany with a poorly horse, whose colic treatment over a week when he nearly died, came to less than my bill for my dog's tooth extraction).