insurance help

[MollieMoo]

Can i ask a question to those of you whose policies have no excess? If you claim, does it affect your renewal premium?

I really don't know as this is the first year I have ever insured a dog, I am sure I will find out in March 2008

[Elisa]

Jan

I claim for everything, even if the bill is £30.  That's why I pay extra, so I have no excess.  Until this year, Bailey's insurance cost me around £130 per year, so no, in the past his premiums haven't gone up because I have claimed.

It has gone up this year, but as I understood it, with M&S all the premiums went up so I was expecting an increase, regardless of any claims I had made.

[Jan/Billy]

Jan

I claim for everything, even if the bill is £30.  That's why I pay extra, so I have no excess.  Until this year, Bailey's insurance cost me around £130 per year, so no, in the past his premiums haven't gone up because I have claimed.

It has gone up this year, but as I understood it, with M&S all the premiums went up so I was expecting an increase, regardless of any claims I had made.

Am just wondering how they manage to do it so cheap?

I pay around £18 per month for Billy with Petplan & my excess is £65 

[MollieMoo]

I know when I got my quotes for Daisy online there was only £10 a year difference between a £50 excess and zero excess, so I guessed it was worth paying the extra £10 a year.

[Jan/Billy]

I've just been on m&s website and they have quoted me £221 per year for Billy !

It can't be postcode related as I live in a nice area 

[Elisa]

I've just been on m&s website and they have quoted me £221 per year for Billy !

It can't be postcode related as I live in a nice area 

That is about the same as you are paying now.  Is that quote including no excess?

[Aggie]

I'm with PetPlan and when we made a claim they were really helpful and we got the money straight away.

We pay about £23 a month which covers both dogs. My excess is £65 but that hasn't been increased since making a claim.

[Jan/Billy]

I've just been on m&s website and they have quoted me £221 per year for Billy !

It can't be postcode related as I live in a nice area 

That is about the same as you are paying now.  Is that quote including no excess?

Yep, no excess 

mmmhhhh not sure if i want to risk changing as billy had a wobbly head once, although it's since gone away, if anything did happen & I couldn't claim I'd be kicking myself.

although I see m&S pay up to 7k whereas petplan is only 4k I think.

mmmhhhhhhhh 

[Nicola]

I claim for everything for my two, even if it's only £20 as that's why I pay extra to have no excess. It hasn't affected Alfie's premiums anyway, as I said, it's only gone up £1.50 per month this year  

[jann]

I claim for everything for my two, even if it's only £20 as that's why I pay extra to have no excess. It hasn't affected Alfie's premiums anyway, as I said, it's only gone up £1.50 per month this year  

Me too Nicola, it's worth a bit extra for the no excess as a lot of the bills are small ones (under £50) 

[Jan/Billy]

I am really lazy with mine 


I don't claim unless it's worth it. My excess is £65 but if my bill came to £80 I wouldn't claim for the sake of £15, I am so lazy 


mmmhhhh may ask at work about this, not sure how m&S are managing to do it so cheap ie no excess.

[*Jay*]

I'm with M&S no excess policy but i only make claims for treatment over £50. Our premiums only went up by £1-£2 a month and I have made quite a few claims 

[jann]

I'm with M&S no excess policy but i only make claims for treatment over £50. Our premiums only went up by £1-£2 a month and I have made quite a few claims 

 Gill, if you do that, why don't you have  a £50 excess policy then you would pay less ? 

[*Jay*]

I'm with M&S no excess policy but i only make claims for treatment over £50. Our premiums only went up by £1-£2 a month and I have made quite a few claims 

 Gill, if you do that, why don't you have  a £50 excess policy then you would pay less ? 

Because like Jan, I wouldn't claim for the sake of £15-£20 so my vet bills would then have to be in the region of £90 + to make it worthwhile claiming and they rarely are that high. They tend to be around the £50 - £60 mark so at least with no excess I get the full amount back rather than losing out. It makes sense in my head anyhow 

[Nicola]

I'm with M&S no excess policy but i only make claims for treatment over £50. Our premiums only went up by £1-£2 a month and I have made quite a few claims 

 Gill, if you do that, why don't you have  a £50 excess policy then you would pay less ? 

Because like Jan, I wouldn't claim for the sake of £15-£20 so my vet bills would then have to be in the region of £90 + to make it worthwhile claiming and they rarely are that high. They tend to be around the £50 - £60 mark so at least with no excess I get the full amount back rather than losing out. It makes sense in my head anyhow 

But you're paying extra to have no excess then losing out by not claiming for anything under £50... say you had a bill for £40 you wouldn't claim that back? Surely that's therefore leaving you out of pocket?

I'm interested to know why anybody wouldn't claim back say £20 or £30 - it doesn't cost anything and takes 5 minutes to fill in a claim form so why don't you want your money back    Ok it's not a huge amount but I can always think of something to do with it... maybe you have more spare cash than I do