CockersOnline Forum
Cocker Specific Discussion => Health => Insurance => Topic started by: Cob-Web on August 09, 2004, 09:21:32 AM
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I'm hoping someone can help me before my sleep deprived annoyance is vented on an unsuspecting insurance salesman :shock:
I am comparing insurance policies online, and have been through a number of Online Quote pages of different companies.
Some of them, when I get to the 'breed' section, list 'Blue Roan Spaniel' separate from 'Cocker Spaniel'. Having tried both I find that Blue Roan spaniels are cheaper to insure than Cocker spaniels. So... what do I do? Molo is a Blue Roan Cocker Spaniel :?
Has anyone else with a Blue Roan been through this palava - or is a Blue Roan Spaniel something quite different?
Thanks
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No as PetPlan just need the words Cocker Spaniel (English probably). Never heard of splitting it into colours. Its a bit colourist really isn't it!
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Never heard of that before! I'd be tempted to give them a call to see what they mean. Do they list other coloured spaniels separately??
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I've never heard of that either :?
I'm with Tesco at the moment but I might change to the M&S one as that seems really good :wink:
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I hope you do find out why they list blue roans separately, Rachel, because the more I think about it, the more I want to know now. If they're making distinctions between colours, then the only logical reason I can think of is they believe certain colours are more prone to illness/issues (we all know what issues they might be) than others, and I would want to know what they're basing this on...
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Well, I've telephoned the insurance company involved, and they have advised me to list Molo as a pedigree Blue Roan spaniel, but they couldn't tell me why the two are listed separately.
I've got my suspicions, I'll PM you Mike to let you know the company, as I think its worth further investigation.
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Posted: 09 Aug 2004 12:35 Post subject:
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Well, I've telephoned the insurance company involved, and they have advised me to list Molo as a pedigree Blue Roan spaniel, but they couldn't tell me why the two are listed separately.
I've got my suspicions, I'll PM you Mike to let you know the company, as I think its worth further investigation.
Could you pm me too please :wink: One because I give out insurance advise at work and two, I'm a nosey moo :wink: :lol:
I'm with Tesco at the moment but I might change to the M&S one as that seems really good
I'd hang fire with that one at the moment Gilly :? They got my boys records ages ago and I've not heard a single thing back and their 10 day cover has now ran out :roll: Thankfully I kept the More Than policies running until they were fully covered
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I'll do that Gill :wink: let me know if they get their finger out :roll:
do you think butty could pass as a blue roan :lol: :twisted:
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do you think butty could pass as a blue roan :lol: :twisted:
Maybe, if there colour blind Gilly :wink:
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I don't think there would be a problem with naming the company on the forum - I'm sure a lot of people would be interested. Insurance companies take into account previous claims when setting premiums so presumably this company has fewer claims for blue roans than any other colour which seems bizarre :?
Jane
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very strange im with pet plan simple words english cocker spaniel no colour comes into it , id love to know why they have stated this .if anyone finds out let us know :lol:
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[I'd hang fire with that one at the moment Gilly :? They got my boys records ages ago and I've not heard a single thing back and their 10 day cover has now ran out :roll: Thankfully I kept the More Than policies running until they were fully covered
I'm with M&S and I had a delay too. After querying the delay with M&S they were infact extremely helpful and they got on the case very quickly and got it sorted. There was a delay in my vet sending Lotties records apparently :? I'd give them a buzz Gill.
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That's interesting as my vet didn't have to send anything and we were covered straight away with PetPlan (and I believe Petplan and M&S are linked anyway)
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That's interesting as my vet didn't have to send anything and we were covered straight away with PetPlan (and I believe Petplan and M&S are linked anyway)
Perhaps it's because Lottie wasn't a puppy when I insured her. She was nearly 16 months before I made the decision.
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I have recently insured my two with M&S and all they asked was for my vets address, and had either ever been treated for anything other than vaccinations? as the answer was no cover could start from any date I wished?
Michelle
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I have recently insured my two with M&S and all they asked was for my vets address, and had either ever been treated for anything other than vaccinations? as the answer was no cover could start from any date I wished?
Michelle
Michelle, I think they ask for the vets address so they can write to them for confirmation that your application is genuine.
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I'm going to give them a ring tomorrow :? I know there was no delay in their records being sent cos I did it myself :wink: .
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Did you ring them Gill?
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I did indeed Mary :wink: Had to phone them twice cos the first lady I spoke to didn't ring me back :roll: When I called the second time, they were just waiting on the veterinary advisor coming in so put me on hold. She then came back on and said there would be a letter coming out with the relevant exclusions and they would extend the cover note to include the 11 days I've missed out on. So, basically, they had forgotten :roll: :lol: What they have as exclusions will be the deciding factor on whether to swap or not :wink:
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What sort of exclusions would they be talking about?
Luckily mine was pretty straight forward :wink:
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Well, they will probably list Vegas' food allergy even though its not an issue anymore with the prescription diet. He injured his shoulder about a year ago so I'm hoping just lameness in that leg will be excluded and not lameness full stop :? For Dallas, it will be the problem with his eyes for sure. He also had a cyst removed a few months back so i hope they are not going to be one of those companies who will then exclude any lumps regardless of if they are related to the original one or not :?
Actually looking through all that, will it be worth taking out insurance for them at all :roll: :lol:
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Just thought I'd update you all on this mystery :wink:
I have had e-mail correspondence from the company in question and they confirmed that a Blue Roan Spaniel is a Blue Roan cocker - the word 'cocker' is left out of their listings purely as there is not enough space!
The Blue Roan at the request of 'customers'.
When I pointed out the fact that Blue Roan had cheaper premiums, they confirmed that policies under Blue Roan Spaniel :shock:
Well, thats as clear as mud then, isn't it :?:
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Less claims probably because there are all colours (including blue roan) registered with them as Cocker Spaniel . Do they do the same for any other breeds??? Sounds absolutely ridiculous if you ask me!! Do they have lower premiums for black cats compared to other colours after all they are supposed to be lucky :lol: Which company is this, Rachel? Think Jane say there wouldn't be a problem naming them on the board.
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What sort of exclusions would they be talking about?
Luckily mine was pretty straight forward :wink:
I know on one (and think it may be M&S) exclude incidental things like dog bite if your dog has been attacked and needed treatment, which some of us may feel is unfair especially if our dogs were the ones attacked/bitten!
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Shirley, they also list brindle boxer seperate form boxer :wink: The company in question is More Than, who I'm currently with
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:lol: :lol: So are brindle boxers more or less likely to get sick or have and accident than reds??? :lol: :lol: