M&S Insurance??!!

[Ninni]

I know there is a specific Insurance section however that doesn't seem so frequented so I hope it's OK to post here and get some advice from some new Cocker Spaniel owners!

I am really lost in the insurance jungle!

I can't really afford any more than about £200/year but want to make sure I get value for money - I don't really want to pay a load only to realise I am not covered!

I have found one that looks OK to me, it's with M&S Bank, does anyone have experience of them? It's Lifetime, £1000/condition/year and £4000 annual policy limit, death by accident or illness £600, lost or stolen £600. I know many say that £4000 anual poicy limit isn't enough but I really can't afford any more!

I would really appreciate some help on this please!

[PennyB]

Problem is some do hike their premiums up once they suck you in - I got a rally good deal with Morethan and while I can't fault them re payouts their premiums doubled as I hadn't realised I'd gone in on a deal.

You also get what you pay for as well

[Ninni]

See, I am totally lost here, I don't even really know what "premium" mean??

[PennyB]

an insurance 'premium' is what you pay either per year or each month (same as house insurance etc.)

[Sheryl]

£1000 per condition per year isn't a lot. Both my girls could rack that up in a couple of months!

[PennyB]

Yep Bosley used up 3500 for his eye op

[rubybella]

Changed from m&s because they doubled my premium after a year!