Insurance recommendations.

Tinkerbee

Tinkerbee

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19 February 2006
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I've been meaning to get Tink insured ever since I've had my own reasonable income, but never got round to it
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and her latest escapade has given me a kick up the bum.

I'm clueless about the whole thing really, none of the dogs in my family circle have ever been insured
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so I just have some random questions. (Yes I will talk these over with the companies, but you guys are probably less hassle
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)

First off, who would you recommend? I'm going to go out on a limb and say NOT E&L.
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Who do you use? Are they any good?
I don't want a massive premium as *touch wood* Tink has never had anything wrong with her bar the odd eye infection or bite.
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However, she is getting older so want to be on the safe side.
At 8 would she be classed as "old" and be subject to higher premiums/more exclusions?
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Also, our time is split between England and NI, is this likely to cause any problems? I can't imagine anyone would class NI as being "abroad" but you never know.
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Sorry for all the Qs
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any advice would be much appreciated.
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Put some money away every month and that way no one can put your premiums up!!!
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I would say she might be tricky to ensure in terms of your time split and her age.

I will never be able to insure B but thanks to saving up we have managed to cover some of his humungous bills so far (touch wood he doesn't find any more mystery ailments...)
 
I did consider that, I'd have to have the money under lock and key so I don't get tempted though.
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Although if she then remains healthy I'll have a nice little lump sum rather than having "wasted" it as such.
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*toddles off to look at how much she should put away*
 
Do you mind me asking how much you pay?
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Just tried to look up some companies to see if I could get an idea and bloomin internet has packed in and is only letting me on HHO
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Sounds like putting some away each month may be the best option.
 
Errr, I 'think' it's about £11 pounds a month, for their Platinum cover and £60 excess. I'm not sure because a) they altered it to make it cheaper for us! and b) my Mummy pays for it
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(It was my christmas present from last year)
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Can I just say, I thought about putting money away each month but luckily thought better of it and got the insurance instead.
My eldery boxer snapped his cruicate ligment and his surgery cost £3000, I would never have saved that up.
So just take 'The Henmeister' situation as an example, (I hope that's ok!) £11 per month = £132 per year, that isn't a lot considering the cost of one vet visit, against the £7000 per year, per condition for the rest of the dogs life from argos.
It's a no brainer really!

Also I'm with Argos for my Bullmastiff puppy and it's £373 per year....Arghhhhh! It was the cheapest lifelong insurance I could find for my bully
 
Tesco have given me no problems, £12 a month and no issues with the rather large vet bill the self-destructing spangle landed me with in spring with his eating habits
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I do await the renewal quote with great interest, mind you....

My only issue with saving up is that Henry would be sure to do something daft before I could put a decent amount of cash away!
 
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