CockersOnline Forum
Cocker Specific Discussion => Health => Insurance => Topic started by: Moz on September 09, 2016, 02:19:59 PM
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Olly & Evie are currently insured with Pet Plan. They are aged 5 and 6, in good health and I have never claimed. The excess is about £100. My premium has gone up so I phoned Pet Plan to ask to go on a higher excess (maybe something like £250 or even £500) in the hope that my premiums reduce - I do this with my own health insurance - but Pet Plan are unable to alter the excess. The guy I spoke to said the only way I could get the premium down was to reduce the level of cover, which I don't really want to do. Does anyone know of any good insurers who will allow me to set my own excess? Thanks very much.
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My experience so far is that most Insurers start to ramp up the excess around age 5 plus bring in a % fee contribution :-\ they seem to be inflexible in the terms of their schemes offering a low level of cover or high, with fixed excess amounts.
I've moved one dog onto Agria direct; they underwrite quite a few schemes such as BASC and the Kennel Club. They have a multi dog discount scheme plus the first two months are half price. Excess is £85 with a 10% contribution to any Vet fee, can't recall the level of cover but think it's £12K - premiums are £9 PM X 2 £18pcm X 10.
All insurance premiums have gone up by 6% since November due new IPT rate which is now 9%
Jayne
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Thanks, I'll look into Agria and see what their prices are like.
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Funny I am just looking around again. I changed to John Lewis from Pet Plan 2 years ago as cost went up.Happy till this week until they informed me it will now cost £39 a month instead of the £27.70 .Lucy is 5 in January and touch wood very healthy. Have claimed this Summer for grass see problem (excess is £140 so claimed £35!!) but have Premium cover for £12,000 .That's almost 50% increase crazy!!! Only good thing about John Lewis is they do not change cover till dog is 9yrs old where it seems most change at 7 yrs ---what to do .... :-\
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While I have remained with Animal Friends, my vet mentioned Agria - as one he finds easy to deal with regards payment for clients etc and high all of life cover. Must admit I had never heard of them till he mentioned it 12mths ago, but as Ollie was nearly eight - thought I'd stay where I was
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you used to be able to customize your policy with Tesco. Do not if they still do
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Agria's quote came out more expensive than Pet Plan - and that's with a higher excess of £150 and 10%. However Tesco looks interesting, the prices are quite reasonable and you can select the excess, either £60, £120 or £200.
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They charge so much more for a cocker than a crossbreed.