CockersOnline Forum
Cocker Specific Discussion => Health => Insurance => Topic started by: kirstyb on October 14, 2009, 01:49:51 PM
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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.
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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.
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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.
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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.
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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 ;)
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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.
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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 ;)
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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
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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?
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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.