Insurance
- Thread starter David
- Start date
- Location
- SW London UK
I've had a bit of a look around and insurance for similar cover won't be a lot less elsewhere. I will still ring and give them my mind and ask questions as to why it is such an increase despite them not paying out our one and only claim. I'd love to see their profit margin. Even a friend of ours who was quite high up in an insurance company admits that its all a bit of a scam and only get the basic insurance.
- Location
- SW London UK
I tried, and Direct Line won't budge on their premium. We do have Advanced policy and looking around there's not a lot thats significantly cheeper that gives similar cover. I feel sucked in and suck with it for now.
- Location
- Herefordshire, UK
I only pay £418 for a year for a 17hh horse!
It does seem ludricious, some of these premiums.
@JES72, wouldn't you be better off saving that money towards the cost of any treatment being as it is so much and they don't pay out anyway?
- Location
- SW London UK
I wonder if its a postcode thing? I might to a test with a different post code. Even the lady on the phone understood why I was unhappy but couldn't explain the increase apart from it due to his age and as even she put it a very small claim.
- Location
- Herefordshire, UK
Who ever knows! Would be worth a try I'm sure.
- Location
- SW London UK
Well, there's a thing. It goes down to £1,200 if I put in my farther in laws post code in Bedfordshire.
- Location
- Herefordshire, UK
Well, that is interesting. Still seems an awful lot though!
- Location
- Vlaardingen, the Netherlands
Cath
MLF Sales Coordinator
We do that too and we have taken out Dog trust membership which covers 3rd party public liability insurance
www.dogstrust.org.uk
Dogs Trust Membership | Dogs Trust
Join Dogs Trust today and play a key role in helping us give thousands of dogs a second chance at happiness every year!
- Location
- SW London UK
) I'd have insurance initially for the fours 4/5 years and then start to put the money away in savings maybe with just the very basic 3rd party insurance.
I just phoned up petplan to query Bear's massive monthly price hike from year 1 - £28 - to year 2 - £37.
They aren't going to reduce it, but have discovered they never applied the multi pet discount, which is going to be backdated to last year - so £12 for each policy, possibly for two years. (hopefully £48 back)
Once I've received that I shall start the process of moving Bear elsewhere, some quotes last week showed almost identical cover for around £20 / month, though a marginally higher excess.
What do people think about the annual amount you should have on covered for life? Monty's is £4,000, and we got within £100 of that on the first year of his claim. (2 x lots of xrays, MRI scan, injections, 2 x specialist referral consults, physio, hydro, laser, gait analysis etc - though no actual operation )
Subsequent years we've claimed between £600 and £1,500 back each policy year for ongoing treatment, and the odd x ray.
Bear has the £7,000 cover as I'm just not sure £4,000 would cover a big operation and subsequent treatment / recovery. But it'd probably be £150 - £200 less in premiums each year, at least.
They aren't going to reduce it, but have discovered they never applied the multi pet discount, which is going to be backdated to last year - so £12 for each policy, possibly for two years. (hopefully £48 back)
Once I've received that I shall start the process of moving Bear elsewhere, some quotes last week showed almost identical cover for around £20 / month, though a marginally higher excess.
What do people think about the annual amount you should have on covered for life? Monty's is £4,000, and we got within £100 of that on the first year of his claim. (2 x lots of xrays, MRI scan, injections, 2 x specialist referral consults, physio, hydro, laser, gait analysis etc - though no actual operation )
Subsequent years we've claimed between £600 and £1,500 back each policy year for ongoing treatment, and the odd x ray.
Bear has the £7,000 cover as I'm just not sure £4,000 would cover a big operation and subsequent treatment / recovery. But it'd probably be £150 - £200 less in premiums each year, at least.
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- Location
- SW London UK
Homer's is £8000 per condition and covers dental illness although didn't cover his tooth extraction on a technicality.
Cath
MLF Sales Coordinator
That is so unfair
- Location
- SW London UK
And putting in my Sister in Laws postcode in the middle of nowhere in Whales takes it down to £909! Post code matters!
- Location
- Herefordshire, UK
Is that still with Direct Line?
- Location
- SW London UK
Yes, I did various quotes on Direct Line website with different post codes and the same dog details.
Hubby thinks Vet fees may be less in different areas however I doubt it varies that much. My brother in law is a vet (married to Sister in law in Wales) and I doubt he'd settle for almost half the pay for the same job. He still has two kids to get through university and ponies to look after.
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Jacqui-S
Moderator
- Location
- Fife, Scotland
Insurance is a necessary evil.
Not having insurance does subtly alter what treatments I choose for Lilly. Even though we can afford it, we still go for the less expensive option. Not if there is a clear right or wrong choice of course, but when considering options it does have an impact.
Not having insurance does subtly alter what treatments I choose for Lilly. Even though we can afford it, we still go for the less expensive option. Not if there is a clear right or wrong choice of course, but when considering options it does have an impact.
- Location
- Malvern Worcestershire
Vets fees are lower in different parts of the country. The other side of the Malvern Hills about 7 miles away, it is cheaper!