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Location: East Midlands, UK
Joined: Mar 2006
Posts: 8,775
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24-02-2011, 12:36 PM
Originally Posted by Tassle 
Hmm...I am beginning to wonder about insurance companies.
With the lists of dogs that they will not insure growing - I am wondering why and how they are getting the data on these breeds or even types that are making them 'uninsurable'.
It's all about risk. The higher the risk, the higher the premium. All done on statistics. A friend of mine in our village has a gorgeous springer spaniel - he pays £40 A MONTH which sounds absolutely exorbitant. The dog is only about 4 or 5. For Tai, who is 7 or 8, we pay about £18 I think, and a bit less for Ben.
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Location: East Midlands, UK
Joined: Mar 2006
Posts: 8,775
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24-02-2011, 12:44 PM
Originally Posted by Ben Mcfuzzylugs
That isnt how insurance compainies asses risk
If more GSD's are insured then the company would have an more accurate idea of the average expected costs across the lifetime of each GSD
If less boxers are insured then the insurance company would have a less compleate picture
The policy amount is not based on how many dogs of that type insured but based on the expected cost of that breed
Insurance companies are not swayed by television programmes of gut feelings but they are out there to make money, so if a breed has higher premiums then this is because they have found that they have had to pay out more pet dog of that breed (on average) than on dogs of a different breed
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Location: East Midlands, UK
Joined: Mar 2006
Posts: 8,775
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24-02-2011, 12:45 PM
Originally Posted by rubylover
They are beautiful. The Wolf-Chow was used as a counter example to the Cesky Terrier on the blog post, as it did not fare so well through tight inbreeding and selection and had to be outcrossed. A different selection process then resulted in a different breed from the original one intended.
It became the Eurasier in the end, from what I understand.
Ruby
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Location: Wiltshire UK
Joined: Nov 2010
Posts: 14,404
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24-02-2011, 12:58 PM
Breed or type of dog
Postcode
If more labradors come in for issues than a chow chow, then this breed will be loaded, of course there are vastly more labradors in the world than chow chows.
Your postcode also brings up data about costs, crime etc etc
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Location: Elsewhere
Joined: Oct 2007
Posts: 7,227
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24-02-2011, 01:06 PM
Originally Posted by Tassle
I remember when I was first insuring Tassle, they asked how much I paid ...when I replied £40 - she said 'Well the minimum we pay out on the dogs death is £50 - so you would be gaining!'
I was a tad shocked to say the least that this was the attitude.
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Location: UK
Joined: Sep 2008
Posts: 9,065
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24-02-2011, 05:38 PM
Originally Posted by Gnasher
It's all about risk. The higher the risk, the higher the premium. All done on statistics. A friend of mine in our village has a gorgeous springer spaniel - he pays £40 A MONTH which sounds absolutely exorbitant. The dog is only about 4 or 5. For Tai, who is 7 or 8, we pay about £18 I think, and a bit less for Ben.
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Location: East Midlands, UK
Joined: Mar 2006
Posts: 8,775
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24-02-2011, 07:52 PM
Originally Posted by Tassle
Same company?
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Location: UK
Joined: Sep 2008
Posts: 9,065
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24-02-2011, 09:57 PM
Originally Posted by Gnasher
No, we have changed from Tesco, who wanted to up Tai's insurance to £28 per month because of his age, to an unknown one who sound really good. OH found them on compare the market - I think they are called legal something or other, they are absolutely brilliant.
Unless you are comparing the same companies on the same level. You would not know if they were paying above the odds for the Springers insurance - or if it is just an expensive company.
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Location: South Wales, UK
Joined: Mar 2005
Posts: 18,577
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25-02-2011, 03:14 AM
Originally Posted by Gnasher
That will be really interesting Azz, thanx for that, I shall look forward to reading it.
See the thread about it here: http://www.dogsey.com/showthread.php?t=142596
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