Insurance (Again!)

[kirstyb]

Sam's policy with M&S is due for renewal and its up from £17.84pm to £21.99pm. Greenbee have quoted £15.16pm for similar levels of cover (£7,000 fees, £75 excess).

Is there any big difference between the two, or are there other alternatives we should look at?

Would rather find a company whose premiums are more stable, rather than jump from a low starting price and have to change every year.

[Sheryl]

My premiums went up a bit with M&S but not a lot.  To me, it is worth paying the premiums for all the other things they cover like hydrotherapy, prescription food and acupuncture.  Ok I may not need them but maybe I will and I know I am covered.  Depends on what you are looking for I guess.

[*Jay*]

Also bear in mind that most insurance companies request a 12 month veterinary history prior to taking out a policy so if he has been seen for anything even if it wasn't claimed for, they may place exclusions. When I changed 2 of mine to M&S, they placed an exclusion on Dallas for lipfolds (all I had done at that point was buy a bottle of hibiscrub!) but said they would lift it after a year if no treatment was required.

[kirstyb]

He's not had any treatment at all other than his vaccinations. We just want to get sorted on one company now whilst he is still problem free.

[Helen]

thing is that all insurance companies have various increases - some years more than others - I was horrified when the M&S one shot through the roof but this year my renewal was £1 per month more so it's now evening out.

I doubt whether there are that many policies if you read the small print that are still as inclusive as this one 

[Robbie34]

Charley's insurance with M&S went up from £358 per annum to £578 per annum this year.  His excess went up to £75 plus 20% of the remainder.  Needless to say I didn't renew.

I haven't made a claim for Charley for years since the excess of £70 plus 10% of the remainder meant there was no point.  His recent op has so far cost me £406, but I'm well in pocket considering the initial premium and excess.

[JaspersMum]

Just looked at the policies I have for my 4, all with Sainsburys on the same level of cover, all taken out or renewed this year, BUT I pay 4 different annual premiums £213.81 (Jasper - but I have made 2 claims), £136.42 (Louie), £198.62 (Heidi) and £126.43 (Charlie).  Going to ring them in next few days to find out why all different.

I just moved Louie over to Sainsburys and haven't been asked for vets name or any history 

[sophiew]

This is interesting, as we messed up with my lab's insurance and didn't realise it was annual cover rather than lifetime - they therefore excluded anything to do with his legs / joints and he's going to have trouble with them all his life.

Our pup came with the standard 6 weeks free from the Kennel Club but I want to find the right policy for her before it runs out, so I'll be looking at M&S!
Our lab is now with MoreThan and they have been great with paying up

Sophie
x

[Helen]

Charley's insurance with M&S went up from £358 per annum to £578 per annum this year.  His excess went up to £75 plus 20% of the remainder.  Needless to say I didn't renew.

I haven't made a claim for Charley for years since the excess of £70 plus 10% of the remainder meant there was no point.  His recent op has so far cost me £406, but I'm well in pocket considering the initial premium and excess.

doesn't the premium increase correlate with his age though?

[milly]

My Goldie was with pet plan all her life and yes the policy price increased with her age.
Interestingly Paddy's renewal came through today, up from £229 to £249 with the kennel club and no claims. I thought I'd shop around as well as that seems a lot for a 1 year old with no history of illness.