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Location: Sheffield
Joined: Oct 2005
Posts: 728
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07-09-2006, 11:56 AM
4.5yr old mixed breed
Total annual premium £112.08
12 Monthly Instalments by Direct Debit £9.34
We are with M&S and it costs £90 for a year with no excess (although that was back in January before the prices apparently went up
)
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Location: Greater Manchester
Joined: Nov 2005
Posts: 2,333
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07-09-2006, 01:20 PM
This is the quote I got:
Angel, 16 month old male, £9.34 a month
Misty, 12 month old female, £9.34 a month also
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Location: Preston, Lancashire
Joined: Sep 2004
Posts: 8,648
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07-09-2006, 01:39 PM
Isochick and my quotes were the same - different breed, totally different area and standard of living too!!
I live in a poorer area, with lots of council houses, higher crime rate. Isochick lives in a high class area, lots of old people, not a high crime rate!
Roxy lives in the same area as me, and yet her Mastiff costs less than Mine and Isochicks dogs, and Roxy's Boxer costs less than Isochicks boxer!
To me it seems they pick a random amount!!
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Location: Co. Durham, UK
Joined: Jan 2005
Posts: 11,213
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07-09-2006, 04:08 PM
Originally Posted by Hevvur
To me, it proves that postcode has nothing to do with it, like they say it does.Isochick and my quotes were the same - different breed, totally different area and standard of living too!!
I live in a poorer area, with lots of council houses, higher crime rate. Isochick lives in a high class area, lots of old people, not a high crime rate!
Roxy lives in the same area as me, and yet her Mastiff costs less than Mine and Isochicks dogs, and Roxy's Boxer costs less than Isochicks boxer!
To me it seems they pick a random amount!!
All insurance is based on risk and this risk is calculated every year which is why prices can change so much. It wouldn't be possible to do it at random as they'd be unable to calculate the risk of loss or returns on premiums.
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Location: Preston, Lancashire
Joined: Sep 2004
Posts: 8,648
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07-09-2006, 04:13 PM
Originally Posted by Ripsnorterthe2nd
It has nothing to do with the area in relation to standard of living or crime rate, but in relation to the dogs in that area being involved in insurance pay outs etc.All insurance is based on risk and this risk is calculated every year which is why prices can change so much. It wouldn't be possible to do it at random as they'd be unable to calculate the risk of loss or returns on premiums.
No way should a mastiff cost LESS than a Bullmastiff anyway (larger breeds always cost more - regardless of anything else).
I didn't mean the random thing seriously
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Location: Co. Durham, UK
Joined: Jan 2005
Posts: 11,213
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07-09-2006, 04:18 PM
Originally Posted by Hevvur
I still don't believe it works 100% like that.No way should a mastiff cost LESS than a Bullmastiff anyway (larger breeds always cost more - regardless of anything else).
I didn't mean the random thing seriously
Not sure if the rolleyes are necessary, I was just trying to explain how it works.
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