Yep! Forget names like PetPlan (the best) etc and remember it's massive, cold insurance companies behind this backed by Lloyds. Bottom line is their in it for profit.
Maybe your a winner, but most of us are losers scared to put in a claim for a small to medium amount as the insurance goes up each time you claim and the older the dog becomes. Insurance is great for illness like diabetes etc but even then some insurance companies have limits.
I wouldn't advise lying to an insurance company there not stupid.
However, say your premium was £500 this year and £600 next year. If you set up a wee account you would have £500 in it straight away and 12 months later £1100 and a year later £1700. Worried about claims against your dog for causing damage, accidents, etc behaviour then join Dog Trust and your covered.