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 Insurance Again

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wids
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PostSubject: Insurance Again   Sat 11 Feb 2012, 3:56 pm

Looking to change insurance for my lot.

Interested to know if anyone has experience of making a claim / claims from a company - who they would recommend?
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xclairex1
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PostSubject: Re: Insurance Again   Sat 11 Feb 2012, 4:35 pm

I'm still with Esure, have been for the past three years and they don't put the premiums up excessively each year.

You also get an online discount for multiple pets.

They paid out for Diesels soft tissue shoulder injury which came to about £2000 after an op at the vet school.

Then about 2months later paid out for his elbow dysplacia.

Otherwise I have only claimed on Kais once for the grass seed in his paw, but had no problems with them.

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Staffylover
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PostSubject: Re: Insurance Again   Sat 11 Feb 2012, 5:04 pm

Pet plan are very quick and you can check your claims on line for an update, they also text you to confirm when they are processing it - but they are one of the most expensive
M&S took a while on their first claim for Reuben as they wanted a full health history as they wanted to check he had not been treated for allergies before I moved to them.

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wids
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PostSubject: Re: Insurance Again   Sat 11 Feb 2012, 5:20 pm

Thanks Claire that's a new one to me - haven't looked at them.

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wids
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PostSubject: Re: Insurance Again   Sat 11 Feb 2012, 5:24 pm

Thanks Jo - The girls are with M&S £42 + for the two of them. They did pay out quickly on Maizie's lump I must admit

But... Baileys renewal has just come through from More Than -

£62.50 per month
£70 excess plus 20% of the bill.

My total insurance bill with the cats included is £132 per month now . banghead
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xclairex1
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PostSubject: Re: Insurance Again   Sat 11 Feb 2012, 5:32 pm

Bit excessive, I'm just going to have a look for Rogue now have to get her insured too I currently pay £40 for the other 3 with £7500 of lifetime cover each.

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Staffylover
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PostSubject: Re: Insurance Again   Sat 11 Feb 2012, 5:33 pm

Have they got any pre existing conditions Liz?

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xclairex1
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PostSubject: Re: Insurance Again   Sat 11 Feb 2012, 5:45 pm

Just insured Rogue there with Esure too at £14.84 a month so that takes our insurance bill upto just short of £55 a month.

Definetly worth it though. Even if we saved the £55 a month we'd only have £660 and that wouldn't get us very far x

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getcarter
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PostSubject: Re: Insurance Again   Sat 11 Feb 2012, 5:47 pm

I'm with Petplan but money is very tight at the mo so thinking of changing because their premiums aren't cheap - they do pay out quickly though.
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wids
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PostSubject: Re: Insurance Again   Sat 11 Feb 2012, 5:48 pm

Girls are OK

Bailey has his cruciate history. He also had a tumour in his eye which is how he lost his eye when he was 3years old , but Maizie has had 2 claims for lumps each paid out no questions asked so I don't think the Baileys eye will be an issue?

His eye was pre insurance - we were not insured at the time.
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Alliecass
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PostSubject: Re: Insurance Again   Sat 11 Feb 2012, 6:13 pm

I used to be with pet plan and they were very good, but the premiums became too expensive for me.

so now im with saga, but of course you have to be a certain age to be with them lol
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wids
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PostSubject: Re: Insurance Again   Sat 11 Feb 2012, 6:41 pm

Alliecass wrote:
I used to be with pet plan and they were very good, but the premiums became too expensive for me.

so now im with saga, but of course you have to be a certain age to be with them lol


I can shop with them very soon lol
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wids
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PostSubject: Re: Insurance Again   Sat 11 Feb 2012, 6:52 pm

So far ..Esure & Direct Line are the best for the girls

Esure seems to be top even though direct line is a little cheaper.

Esure = £7500 max Direct Line £6000 max.

Did Saga based on Gary who just qualifies but they were more expensive.

None of them beat Bailey's new premium so I guess we'll stay with More Than which is expensive but at least he is covered for his legs and any resulting issues. If we go with E sure we reduce our bill by £20.00 at least for equal cover all round. That's a dog insured for free for us.

I'm going to check out the small print and change the Girls once I'm happy with everything.

This insurance is a minefield these days

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Staffylover
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PostSubject: Re: Insurance Again   Sat 11 Feb 2012, 7:38 pm

Sounds like a good deal Liz

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wids
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PostSubject: Re: Insurance Again   Fri 06 Apr 2012, 6:01 pm

Just an update but I put the Girls with esure - thanks for the link Claire spinner smile


just looking at our costs and realised it costs more to insure Bailey on his own than it does to insure 2 dogs and 3 cats added together omg
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lindauk
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PostSubject: Re: Insurance Again   Fri 06 Apr 2012, 9:23 pm

so is Bailey insured Liz ?
is it worth it seeing as hes already had a CL ?
Dell's not insured as he's had a CL and didn't think it was do-able.
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wids
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PostSubject: Re: Insurance Again   Sat 07 Apr 2012, 1:47 pm

lindauk wrote:
so is Bailey insured Liz ?
is it worth it seeing as hes already had a CL ?
Dell's not insured as he's had a CL and didn't think it was do-able.


Bailey is insured Linda - he still has full 100 % cover for his knees - He was on a "for life cover plan" with no restriction on time or amount up to £7k which renews every year - we've never changed his policy because if he has any further problems with his knees he's got insurance to pay for the repairs.

That's why he's so expensive - they know we can't risk moving him to another company umm

Also he is covered for anything else that happens to him.
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lindauk
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PostSubject: Re: Insurance Again   Sat 07 Apr 2012, 11:06 pm

when i looked into it they said because he had had a CL they wouldnt insure his legs
so thought it wasn't really worth insuring him.
we did intend to insure him but he had his first op when he was 7 months old ,time got away from us.

but he will never go with-out vet attention when its needed.
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