Don't get done get Dom

[BobnDot]

On BBC at 11 o'clock this morning and also on iPlayer.

A very interesting report on Sainsbury's pet insurance and the exclusions enforced by other companies as well.

Bob.

Apologies to the Mods if I haven't put this in the right place but, being about pet insurance, I thought this was the best.

[MIN]

good on sainsbury's.  love Archie

[QuaCKeReD]

Hi

Am just getting first puppy, and am quite interested in the exclusions on different policies.

Didn't see the above mentioned show, anyone have more details?

Thanks
Mark

[Joules]

Hi

Am just getting first puppy, and am quite interested in the exclusions on different policies.

Didn't see the above mentioned show, anyone have more details?

Thanks
Mark

Check on BBC iplayer 

[QuaCKeReD]

Hi

Am just getting first puppy, and am quite interested in the exclusions on different policies.

Didn't see the above mentioned show, anyone have more details?

Thanks
Mark

Check on BBC iplayer 

Only goes back to ep 10 - electricity bill - from 23 Aug

[Joules]

Hi

Am just getting first puppy, and am quite interested in the exclusions on different policies.

Didn't see the above mentioned show, anyone have more details?

Thanks
Mark

Check on BBC iplayer 

Only goes back to ep 10 - electricity bill - from 23 Aug

Try again, it sometimes takes a little while to get onto the iPlayer

[QuaCKeReD]

Issue is that things only stay on iPlayer for a certain time. And this episodes time has passed.

Did anyone watch it, and can provide a overview?

[BobnDot]

If I recall correctly it would seem that some companies won't provide full cover for the first two weeks of the policy as an anti fraud measure to prevent people taking out insurance and then making an immediate claim.
There's also a problem with animals being insured with two companies at the same time so, when swapping insurance companies or taking out new insurance, there's every possibility that there'll be a period of time when, even though you've paid you policy premium, the company may refuse to pay out on claims made within the first weeks of the policy.

Seemingly this is detailed in the various terms and conditions but is so well buried that most people aren't aware of it.

Dom did manage to get the company to pay out in the case of the dog featured in the programme.

I'll keep looking to see if I can find a copy of the programme online and post any link I find on here.

Bob.

[QuaCKeReD]

Thanks!

Surely the fact they don't cover for 2 weeks, is main reason for having two policies if you want/need to swap?

[BobnDot]

There are legal reasons why it's not advisable, and may even be illegal, to have the same risk covered by more than one insurance.

The main principle of insurance is to "Make whole" any losses and more than one policy may lead to a larger amount being paid out than is needed to meet any losses. This could be construed as fraud.

Insurance isn't my strong point so I'd welcome any further input/correction from more qualified COL members but, as far as I know, that's the basic position.

Bob.

[QuaCKeReD]

I was of impression you can cover anything, as many times as you want.

But can only claim on one of those covers - which is also visible to other insurance companies, just to prevent such fraud.

[SophieBlueRoanLover]

Interesting to know - I was just about to take out a new policy so that it overlapped with my old one by 2 weeks, so that the dog is covered continuously.

Must say the words "pet insurance" fill me with horror now!

[QuaCKeReD]

LOL, we havent even got puppy yet and they have same effect on us!

I may be wrong on above, in regards pets, but it is certainly case for other insurances.

Also, having had to fill in application forms for several policies, just to get a quote, not one has asked whether pet is insured elsewhere...