M&s Insurance Doubled

[gavo]

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:rant: :rant: :rant:

Hi Guys, How are you all, Ive not been on for ages, Codie is doing well.

Listen Have any of you been hit by the rubbish from M&S , they have doubled my policy price saying that it is due to

1/ vet price increase,

2/ They have found that most claims are for MALE dogs.

3/ Also breed dogs are now taken into consideration where it wasnt before.

This is nonesence, I am now shopping around, have any of you found better quotes.

Thanks

Gavin

 

[BevPh]

Had the same problem last year. I shopped around and for my sins I unfortunately went with E & L. What a mistake :rant: . Word of caution stay well clear of them!!

I have heard More Than settle claims quickly but I suppose its the luck of the draw.

Any way Good Luck!

 

[Jessr123]

Hi,

I would check any insurance policy very carefully as some of the cheaper companies will only pay out a certain amount for an illness or injury and then won't pay any more. Others will pay out a set amount per year so if your dog gets a long-term illness they will be covered for life with that illness.

I have a Pet plan insurance policy for my mongrel and whippet which has always been really good, but not everyone will agree that they are the best insurance company around - it all depends what you want the insurance for.

Jess

 

[imperative]

Best to put money away yourself.A lot of peeps I know now open an account with Credit Union and "if" their dog has accident they get the money from there.I believe most insurance is a rip off anyway :rant:

 

[gilliwigs]

I've decided to stick with M&S even though Muffin's insurance has more than doubled in price. (w00t) But they will pay out every year for the same illness which is what a lot of the cheaper policies don't do. I am just about to make my first claim - not for an illness but for my ruined glasses that Jonah managed to get hold of! :rant: It will be interesting to see what the service is like - certainly they've been very helpful on the phone. :thumbsup: And if they pay up for my glasses then at least this year's payment hasn't been a waste of money!!

 

[~Helen~]

I had this earlier this year, too. There are quite a few threads about comparing policies in FAQ, gavo, it might be worth having a read :thumbsup: I eventually stayed with M&S for 2 of mine because it is the best around, if not the cheapest. My 3rd dog I chose Argos Platinum because the cover was lifetime, offered similar benefits to M&S, but was only £10.92 a month instead of nearly £20.

 

[zilloot]

My M&S premiums went up a little so I phoned them and they told me male dogs cost more too!!! :blink:

I got a cheque in the post today but they have taken money off somewhere and I'm supposed to be on a zero-excess policy :angry: I will be phoning them on Monday to find out about this.

This is the first time I've had problems with them and they get a lot of money from me as I have six dogs insured with them with premiums ranging from £12 for the youngsters to £18 for my oldest male!!!

o I'm using my credit card for my old 13.5 yr old because she's not insured. Plastic has its uses :unsure:

 

[TC]

Best to put money away yourself.I believe most insurance is a rip off anyway :rant:

<{POST_SNAPBACK}>

​

I hear where you're coming from, but would advise anyone taking this path not to do so until they have a fair bit stashed away.

Last year I had a vet bill for one condition that totalled £2700, if I hadn't have been insured that would have seriously taken it's toll on my credit card, and it certainly wouldn't have taken me only a couple of months to save up, not on my wages anyway (w00t)

Big believer in insurance, and all mine are cover for life at that :thumbsup:

I hate paying it out every month, but I just couldn't have dogs, let alone whippets, without knowing they were covered for everything :sweating:

 

[urchin]

I got a shock with M&S this year too - i went to add Bloggs to the policy and they quoted me £20 a month instead of the £9 that Dij costs

apparently because he's a year younger and so more prone to accidents!

so i went with argos (platinum) same lifetime cover - the only difference is that they pay out up to 6k per year per illness rather than M&S's 7k

If dij goes up next year he's gonna be an argos boy too!

worse tho was scottish pet insurance - my cats premium was set to go up from £8 a month to £50 - yes, you read that right! £50 per month per cat

yeah right!

 

[midlanderkeith]

I got a shock with M&S this year too - i went to add Bloggs to the policy and they quoted me £20 a month instead of the £9 that Dij costs
apparently because he's a year younger and so more prone to accidents!

so i went with argos (platinum) same lifetime cover - the only difference is that they pay out up to 6k per year per illness rather than M&S's 7k

If dij goes up next year he's gonna be an argos boy too!

worse tho was scottish pet insurance - my cats premium was set to go up from £8 a month to £50 - yes, you read that right! £50 per month per cat

yeah right!

<{POST_SNAPBACK}>

​

£50 a month fer cat insurance, absolutely outrageous, money orientated this country is, wants bloody nuking, and when Argos rake in the customers, up go there premiums,.

keith

 

[nicky12]

Best to put money away yourself.A lot of peeps I know now open an account with Credit Union and "if" their dog has accident they get the money from there.I believe most insurance is a rip off anyway :rant:

<{POST_SNAPBACK}>

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i agree ,this is what i do ,just pop whatever i can afford away each month :thumbsup:

 

[Ann Glews]

I was with M&S and the same doubling in premium came along, espite Izzy being female. I am now with E&L after shopping around.

Try money saving expert.com to compare quotes. They do all differ on levels of cover though so its not straightforward.

 

[JAX]

I was with M&S and the same doubling in premium came along, espite Izzy being female.  I am now with E&L after shopping around.
Try money saving expert.com to compare quotes.  They do all differ on levels of cover though so its not straightforward.

<{POST_SNAPBACK}>

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E & L are the WORST company to be with , trust me , just ask your vet .

Ive had claims from them take over a YEAR to pay out :rant: Every excuse they could think of they will , change now before you need to make a claim .

Im now with Argos Platinum , after having moved to M& S , who paid up prombtley but them put up prices by 70 %

:huggles:

 

[~Helen~]

Some insurance links from FAQ :thumbsup: :luck:

pet insurance - discussion threads - hwat's good value? Is insurance worth it? Who's found a great policy

 

[kerry0378]

my dog was hit with a car at 6 month old costing about 3k, then last year (charlie is just 3) he was lame with the same leg from the accident and this went on for months costing approx £600.00 and i have had all this paid back by the insurance, no quibble and settled in under a month. Most times it only took 2 week. So though the premiums have gone up for both my dogs, when it counts they pay out which at the end of the day is all im bothered about.

I am an insurance advisor at a brokers and the only pet insurance we sold was E & L but i used to tell folk to get on the net and check out m & s and morethan simply because of the claims service and value for money.

Also I met a vet at a party who told me to cancel my insurance and put the money in a pot, and if something happened the money was there if not i had a nice tidy sum when the dog died. 2 days later my dog was smashed up by a car, so thank god i never listen to other people

 

[Bellefire]

my dog was hit with a car at 6 month old costing about 3k, then last year (charlie is just 3) he was lame with the same leg from the accident and this went on for months costing approx £600.00 and i have had all this paid back by the insurance, no quibble and settled in under a month.  Most times it only took 2 week.  So though the premiums have gone up for both my dogs, when it counts they pay out which at the end of the day is all im bothered about. 
I am an insurance advisor at a brokers and the only pet insurance we sold was E & L but i used to tell folk to get on the net and check out m & s and morethan simply because of the claims service and value for money. 

Also I met a vet at a party who told me to cancel my insurance and put the money in a pot, and if something happened the money was there if not i had a nice tidy sum when the dog died. 2 days later my dog was smashed up by a car, so thank god i never listen to other people

<{POST_SNAPBACK}>

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i had my horse insured with E&L. what a waste of time that was! if they are the same with dogs as with horses, steer well clear!

I just put away 30 quid a month and, touch wood, i havent had to pay out anything major yet. there's enough in there now though to cover most things, so i've found this to be the best way for me.

 

[imperative]

Best to put money away yourself.A lot of peeps I know now open an account with Credit Union and "if" their dog has accident they get the money from there.I believe most insurance is a rip off anyway :rant:

<{POST_SNAPBACK}>

​

i agree ,this is what i do ,just pop whatever i can afford away each month :thumbsup:

<{POST_SNAPBACK}>

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Too right!

Insurance based on " ifs".Would rather have the money in my own account and if worse comes to worse ill take a loan or use my real savings.Such a bloody rip off these companies.Credit union will give u a loan if needs be and at fab rate too.Better than any bank I know.Can get over 5k if u need to get ur hands on cash quick

 

[masta]

Best to put money away yourself.A lot of peeps I know now open an account with Credit Union and "if" their dog has accident they get the money from there.I believe most insurance is a rip off anyway :rant:

<{POST_SNAPBACK}>

​

i agree ,this is what i do ,just pop whatever i can afford away each month :thumbsup:

<{POST_SNAPBACK}>

​

Too right!

Insurance based on " ifs".Would rather have the money in my own account and if worse comes to worse ill take a loan or use my real savings.Such a bloody rip off these companies.Credit union will give u a loan if needs be and at fab rate too.Better than any bank I know.Can get over 5k if u need to get ur hands on cash quick

<{POST_SNAPBACK}>

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How it possibly be more cost effective? it boils down to risk i have 2 dogs first became ill at 8 month cost me 3k+ in vet fees and 2 years on is still having problems she is insured with M&S no excess £10.00 a month so in effect £ spent was £80.00 M&S paid out £3k+ and are still paying without quibble prem has gone up to £12.95 where,s the "rip off"? putting money away or taking a loan is not cost effective unless your dog/s spend 5years+ not needing any treatment even then £50.00 a month is only £3k if for instance for dog is knocked down has a fracture needs pinning etc thats 5 years savings gone and a shortfall to pay

"Insurance based on if's" well thats the basis of all insurance you only use it "if"

 

[imperative]

I hear what you are saying and respect your opinion.

Perhaps like some I prefer other forms of insurance ,my own. My money,my way works for me and "if" my dogs get ill or injuried I will deal with it.And keep my money in my own account. :thumbsup: :cheers:

 

[posh totty]

just insured all my dogs including the igs and comes to a total of 36.40 , argo`s platinium :thumbsup: