The old chestnut question Insurance

[jonnytrabant]

Hi folks

Just had my insurance quote through from M&S and my quote has increased to £507 pa for my 11yo boy. Obviously i expect a increase and in the past few years I’ve simply cancelled my M&S quote and renewed through M&S again as its always cheaper and I’ve not (fingers and paws crossed) made any claim in over 7 years. Once again if i reapply with M&S it significantly drops the premium.
My question is, is there any reputable firms out there for a 11yo daft cocker?

Much appreciated

[Jaysmumagain]

Honestly I never thought I could simply re apply and take out a new policy with same company.  So are now putting the idea in my head 

I think that having no claims in seven years would help if looking for a move from M&S.  Try a comparison site and see what prices you are quoted. Look at firms you have heard of.  You mention reputable firms and that is the question, some new firms I never heard of around now. 

[jonnytrabant]

Honestly I never thought I could simply re apply and take out a new policy with same company.  So are now putting the idea in my head 

I think that having no claims in seven years would help if looking for a move from M&S.  Try a comparison site and see what prices you are quoted. Look at firms you have heard of.  You mention reputable firms and that is the question, some new firms I never heard of around now.

It’s no good if the dog has pre existing conditions, but since I’ve never claimed I’ve always just cancelled then reapplied. Plus i get a M&S £20 voucher as well, though it used to be £50.

[MIN]

I thought that all insurance companies could nolonger charge new policies cheaper than renewals.   Something else I must have dreamt up in the early hours 🤣🤣

[jonnytrabant]

I thought that all insurance companies could nolonger charge new policies cheaper than renewals.   Something else I must have dreamt up in the early hours 🤣🤣

I wish. Absolute  wrang’uns imo…

[rubyduby]

Would insurance companies take on an older dog?, I pay around £37 a month, and instead of increasing premiums they give you money back if you dont claim

[vixen]

There are companies that specialise in taking on older dogs and dogs with pre existing conditions but I should image their premiums would be very high.
I am still deciding whether to insure my present dogs as their premium has increased a lot.  They havent had a claim for health conditions  but Ned needed treatment for a cut paw (accident) and that according to my insurance company comes under the pre existing condition exclusion 

[vixen]

I thought that all insurance companies could nolonger charge new policies cheaper than renewals.   Something else I must have dreamt up in the early hours 🤣🤣

Just found this -

In January 2022 home insurance and motor insurance fell under new rules whereby the insurer has a duty to not overcharge existing clients upon renewal, but this doesn't apply to pet insurance. It will be interesting to see whether pet insurers are put under pressure (by policyholders) to be offered the same premium for their renewal as a new client would receive.