Just going through all our household bills, trying to do some cutbacks and one area I'm looking at is the dogs insurance. We have three dogs insured with Esure and they've put their premiums up a lot this year. If I'm to go on with the current cover its £18 per dog per month, £650 per year. The excess is £75 and when they turn six, 20% of the claim is also payable by us.
A lot of the covers I've looked at are around this price with high excess. They all go up and up each year and when you need them most (when they're 9+) they hike it up no end. The lower price ones £6/month provide such little cover they're hardly worth having. We've been lucky and have never made a claim. Insurance is such a gamble. I'm tempted to put the money away in a bank account (£55 per Month). This worked for our old girly, Penny.
Am I crazy to do this? When I mentionned this to a friend she said its still a good idea to have public liability cover.
Insurance dilemma, please help!! Ta muchly!
