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Insurance

Post by Dave on Sun Jun 22, 2014 7:14 pm

Anyone come across any new good quality cover ??

Just fallen out with PAH , 2 years and no claims and they still put the poliy up . Bearing in mind I know Ella got a good deal spoke to their sales team and told them how dissapointed I was and got an offer of 40quid a month for them both instead of 43 , not good enough so told em to cancel me

Presently got 9K per year . life cover and 20% contribution from me required 20 for Tilly and 23 for Tommy
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Re: Insurance

Post by ella on Sun Jun 22, 2014 8:11 pm

I'm still with pets at home, I've never claimed for Chance but we did for harvey when he got a grass seed stuck in his throat as a pup, I pay £19 a month for harv and £14 ish for Chance.

Problem is a lot of companies didn't want to insure Chance due to breed and whatever, I don't want to swap harv incase he has another problem and for them not to pay out for throat problems, as they may class it as pre-existing, as i've heard of stupider reasons not to pay out - so it's more of a precaution.

Also I wouldn't go for no insurance as the public liability part is IMO very important especially with Chance

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Re: Insurance

Post by LyndaW on Sun Jun 22, 2014 8:38 pm

Silly question, but have you tried a comparison website?

That's how I first insured with Direct Line when Kuchar was a puppy, for about £14 per month. However, after a claim the premium doubled so I went back to the comparison websites and went with M&S, for about the same premium in Kuchar's second year, which has now risen to £18.53 per month in his third year. It's life cover and I added 3rd Party cover.
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Re: Insurance

Post by Caryll on Sun Jun 22, 2014 10:57 pm

I use Animal Friends, just started the second year as they kept the premium the same. £20 a month (just under), but there have been claims with other insurance companies in the past.

I don't know what they're like to claim from, as I haven't made a claim with them yet, but Janey uses them for Moo & her claims have gone through without a problem, I think.

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Re: Insurance

Post by Dave on Wed Jun 25, 2014 8:06 pm

Looks like I might try more than , similar price ( around 40 per month for both ) but no % contributution to make to claims 12000 per year lifetime cover and a 75 excess

I will looks at other possibilities but this is looking good for us , 2 weeks left yet
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Re: Insurance

Post by LyndaW on Wed Jun 25, 2014 8:29 pm

It's a headache isn't it, so many variables to consider. Good luck!
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Re: Insurance

Post by Dave on Wed Jun 25, 2014 9:16 pm

All done now , read some reviews on More Than and seems the like to hike the prices up when you claim and are tied to them , gone back to Direct Line £29.65 monthly for both of them on their best policy with 6K per condition lifetime cover , I think it will be enough and as long as no problems this year then I can always shop around next year again
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Re: Insurance

Post by Dave on Wed Jun 25, 2014 9:21 pm

LyndaW wrote:Silly question, but have you tried a comparison website?

That's how I first insured with Direct Line when Kuchar was a puppy, for about £14 per month.  However, after a claim the premium doubled so I went back to the comparison websites and went with M&S, for about the same premium in Kuchar's second year, which has now risen to £18.53 per month in his third year.  It's life cover and I added 3rd Party cover.

I was with Direct Line when Tilly was brand new , had a small claim when she hurt her leg for no reason , emergency vets fees etc were all paid up rather quickly as i had to pay that from my own pocket but the rest went directly with the vet . As I recall they put the policy up by 3 or 4 poinds a month nothing major but I fell out with them when they didnt give me a decent discount to add Tommy so went to PAH , back there now and have my contents and buildings policy with them too and they have been quite good so I will take my chance
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Re: Insurance

Post by Caryll on Thu Jun 26, 2014 10:36 am

Dave wrote:All done now , read some reviews on More Than and seems the like to hike the prices up when you claim and are tied to them , gone back to Direct Line £29.65  monthly for both of them on their best policy with 6K per condition lifetime cover , I think it will be enough and as long as no problems this year then I can always shop around next year again

Yes, that's the thing, Dave - you can shop around next year. thumbs up 

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Re: Insurance

Post by Shisa on Fri Jun 27, 2014 8:14 am

add 

I've so wanted to use that.
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Re: Insurance

Post by Caryll on Fri Jun 27, 2014 10:36 am

laughing 

I've never managed to use that!

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deep roots are not reached by the frost - Tolkein
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Re: Insurance

Post by Shisa on Fri Jun 27, 2014 10:52 am

I think Insurance is the one thing I shouldn't comment on.
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Re: Insurance

Post by Caryll on Fri Jun 27, 2014 12:39 pm

I take it you've had bad experiences with it?

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All that is gold does not glitter;
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the old that is strong does not wither;
deep roots are not reached by the frost - Tolkein
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Re: Insurance

Post by Shisa on Fri Jun 27, 2014 12:58 pm

No, we have terrible insurance options and it is very, very, very expensive.
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Re: Insurance

Post by tracyp on Wed Jul 16, 2014 2:32 pm

Sounds like a hard & expensive task there.
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Re: Insurance

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