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Location: South West
Joined: Jan 2006
Posts: 1,391
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Changing your Insurance Company - Advice please
So I had a really big shock when I got my renewal quote through for Sydney - up from 224 to 445- premier cover with M&S. This is despite the fact that we have only claimed twice in the three years we have had her - for probably less than £200 in total, our only claim this year has been for £60.
So I tried AXA directly - same cover as M&S Premier for about a third of the price
The only thing I am a bit worried about is the "pre-existing conditions" clause that I know will be found with any insurer should we change.
Sydney is a very healthy dog and we have not had any problems with her really. She has had an ear infection - resolved with a course of antibiotics - back in the summer and a skin rash - also resolved with shampoo and antibiotics. Also back in the summer.
All fully resolved and no problems since.
So - should she get another ear infection or another rash - would we be covered? Surely the conditions have totally cleared up and so do not predispose her to problems in the future and I am sure my vet would tell them that.
I did phone them this morning but they were very non-committal.
On the other hand the difference between prices is such that we could bear any problems and just pay for them if there was a problem. I really insure against big things - like joint problems, an accident etc...
Any experience, views of this please?