Topic: To insure or not? (Read 8633 times)

Gill (sneakiefeline) · « **Reply #62 on:** October 02, 2009, 21:41:32 PM »

Understand all now LOL

HSBC insurance is provided by AVIVA which was Norwich Union,,,,,,,,,,,what I would do now is ring Aviva cos they do insurance over the phone and I have hosue and car insurance with them at very good rates.....and ask them for a quote for your cat,,,,,,,,,its likely to come in cheaper than HSBC LOL

Its definately life cover and seems, Aviva excepted, that its currently the best one around.

Interesting that all excess are now £75.

I am not leaving AXA but they have set a standard, well up to this quote, that others had to aim for.

Gill (sneakiefeline) · « **Reply #61 on:** October 02, 2009, 21:35:37 PM »

I will have to look at HSBC, I wonder if they are underwriting it with my money

I just dont underestand that AXA quote cos its crazy!

angeleyes · « **Reply #60 on:** October 02, 2009, 21:13:05 PM »

I have done 4 different quotes now, can't believe how much they vary.
Petplan covered for life upto 4k per year 12.93 per month
Halifax covered for lie upto 6k per year 9.47 per month
HSBC covered for life upto 7.5k per year 9.21 per month
AXA covered for life upto 7k per year 19.21 per month!!!
All excess fees are £75
Looks like HSBC win hands down! Cheapest per month and largest payout!

Rachel(Rachette) · « **Reply #59 on:** October 02, 2009, 20:46:33 PM »

just seen your suggestion..i've gone for pizza, wine & a cosy night cuddled up with snooch...hope it works, if not tomorrow chocolate it is...

Millys Mum · « **Reply #58 on:** October 02, 2009, 17:33:10 PM »

I suggest chocolate and a cat cuddle for that

Rachel(Rachette) · « **Reply #57 on:** October 02, 2009, 17:07:45 PM »

Quote from: Millys Mum on October 02, 2009, 16:59:32 PM

Cool 1k doesnt go far these days

ETA, make sure you cancel the old direct debit with your bank, dont rely on halifax doing it

never thought of that..thanks millys mum you've been my guardian angel today..i don't know what i'dve done without you, you've sorted out fleas & bank account worries today..i still have tummy ache though, so not a master of all problem solving yet

Millys Mum · « **Reply #56 on:** October 02, 2009, 16:59:32 PM »

Cool

1k doesnt go far these days

ETA, make sure you cancel the old direct debit with your bank, dont rely on halifax doing it

Rachel(Rachette) · « **Reply #55 on:** October 02, 2009, 16:54:32 PM »

Phew..just got it sorted i too am now with axa £66.71..yeah! feel so much better now & the policy is alot better than the halifax 1...

Rachel(Rachette) · « **Reply #54 on:** October 02, 2009, 16:15:09 PM »

yeh its time limited...it only covers upto £1000 vet fees..so anything over that you pay for yourself..

Millys Mum · « **Reply #53 on:** October 02, 2009, 16:06:13 PM »

With petplan they continue the cover unless you tell them otherwise, i got letters about a month before each policy was due to end.
By time limited i meant on illnesses eg after 12months of covering say diabetes do they then stop?

Rachel(Rachette) · « **Reply #52 on:** October 02, 2009, 15:46:08 PM »

Quote from: Millys Mum on October 02, 2009, 14:44:33 PM

Thats very cheap rachel, is it a time limited policy?

OMG..i am so glad you asked that question, just realised that the policy ran out on the 2nd of September..but the halifax have still been taken money out but never bothered to ask if i wanted to renew it! it was the lowest premium because at the time i was in 2 minds as what to do i'd already started the bank acc for snooch & was going to insure her for a year only..however i'd changed my mind & was going to shop around for a better policy once this 1 had run out...grrrrrrr! going to phone them now to see what they're playing at

Millys Mum · « **Reply #51 on:** October 02, 2009, 14:44:33 PM »

Thats very cheap rachel, is it a time limited policy?

Rachel(Rachette) · « **Reply #50 on:** October 02, 2009, 13:20:32 PM »

Defo insure..i was in 2 minds as wether 2 or no because of the money saving expert guy..i can see his point about starting up a savings account because you might never have to claim but i know how much it cost when my last cat got cancer, there wasn't such a thing as pet insurance then but boy could i have done with it! i'm with halifax at £4.31 a month, oh & snooch has a savings account too just to be sure.....

Gill (sneakiefeline) · « **Reply #49 on:** October 02, 2009, 11:45:03 AM »

You need his approx age, rescue cat, paws situation/condition, moggie, and thats about it ....good luck and hope you get a good quote

Fire Fox · « **Reply #48 on:** October 02, 2009, 10:48:49 AM »

Some of you may already know that I am adopting the gorgeous Noah from Adel CP. I've had cats many years ago, but not insurance. What information do I need about Noah to get quotes and what do I put for his age/ birthday?? I know his paw condition will be excluded and I have savings to cover that, but do I need to know the name of the problem? I am aware I need a proper 'for life' policy not a supermarket job.

Thanks!

ems · « **Reply #47 on:** October 02, 2009, 09:36:11 AM »

Quote from: Desley (booktigger) on October 02, 2009, 07:58:33 AM

Ems, i would look into changing from Sainsbury's - their excess isn't great for oldies - £125, and I wouldn't recommend them for young animals either, as they only pay out per condition, rather than top it up each year.

Thanks Des, have got quotes from Axa which were cheaper anyway so will be moving over to them

Catz · « **Reply #46 on:** October 02, 2009, 09:22:13 AM »

I'm with pet insurance.co.uk, £8.12 a month for both cats with an excess of £75

Desley (booktigger) · « **Reply #45 on:** October 02, 2009, 07:58:33 AM »

Ems, i would look into changing from Sainsbury's - their excess isn't great for oldies - £125, and I wouldn't recommend them for young animals either, as they only pay out per condition, rather than top it up each year.

Kay and Penny · « **Reply #44 on:** October 01, 2009, 21:57:01 PM »

sounds as if they need someone who knows something about cats to sort them out

Gill (sneakiefeline) · « **Reply #43 on:** October 01, 2009, 21:23:45 PM »

Definately by the sounds of it

Debbie · « **Reply #42 on:** October 01, 2009, 21:22:42 PM »

Yeah I understood the British Short hair to be a pedigree too, not domestic. Both are options in the list. There is also a 'shorthair tabby' option amongst the 100 or so choices and that came up with an even higher premium!

I think they need to work on their website to make it clearer/fairer.

Gill (sneakiefeline) · « **Reply #41 on:** October 01, 2009, 21:12:45 PM »

I think they have got their names confused cao Domestic short hair is a Moggie,,,,,,,,,,,,,,,gosh now I am thinking lol..........British shorthair is the ped version I think

Debbie · « **Reply #40 on:** October 01, 2009, 20:48:39 PM »

I've been getting some quotes on the Halifax website and by mistake selected domestic short hair instead of moggie, firstly as there was such a big list and I didnt see moggie but also I thought it would be considered the same thing, it's not. Moggie came out cheaper (obviously).

I thought Domestic Short hair was the title for any cat that was not a pedigree but obviously not....

Bryony84 · « **Reply #39 on:** October 01, 2009, 20:03:29 PM »

Its worth trying Halifax, I'm with them and its £7ish per cat per month and my moggy girls are 2 yrs old. I got fairly high quotes from AXA too (though I can't remember how much) but thats why I went with Halifax.

Gill (sneakiefeline) · « **Reply #38 on:** October 01, 2009, 19:54:41 PM »

Sounds to me that the site isnt working properly for you cos pedigrees are a lot higher than moggies......I would tryt ringing them, I know they wont do it over the phone but you can ask why peds and moggies coming up the same price and if there is a problem with their site.

Tiggy's Mum · « **Reply #37 on:** October 01, 2009, 19:54:28 PM »

You could try Petplan (not the value policy), NFU, HSBC & Halifax - they're all true life cover with X amount per year, with the pot being reset each and every year. If none of those are reasonable then the next best type of cover is per condition but paid out over the life of the cat, not just the first 12 months.

Per condition insurance is still better than no insurance!

Mark · « **Reply #36 on:** October 01, 2009, 19:48:44 PM »

2 years ago, I had Alice down as 10 years old and it was £11 a month - it has gone up to about £12.50 this year. I still have Kylie with Lloyds TSB for about £7 a month but cover isn't great.

angeleyes · « **Reply #35 on:** October 01, 2009, 19:45:58 PM »

Quote from: Gill (sneakiefeline) on October 01, 2009, 19:37:56 PM

Yes you are right crossbreeds grrrrrrrrrrrrr

However just diid a fictional quote using my old London postcode and for a 14 month cat came to 11.39 a month,,,,,,,,I would expect a fairly high quote in the dark parts of South London and was using a fairly young cat.

Have to say my youngest cat here is still under £10 a month but am paying about £18 for each birman who are bothe £16 years old

Your postcode has a lot to do with it, could you have maybe put pedigree by accident.......where do you live?

I have done several quotes now, whwn i put pedigree the price was the same!
I live in a small Surrey village.

Tiggy's Mum · « **Reply #34 on:** October 01, 2009, 19:42:32 PM »

It must be to do with age, sex and postcode - as I said mine are £7 (boys, 2 1/2yrs old) and it's been that price since they were 1 year old. I started off with M&S when they were 10 weeks old and that was a similar price, they changed underwriter and added some ridiculous clauses hence I jumped ship to Axa, as many others did.

I'd definitely shop around and see what others are quoting, £20 a month for a moggie kitten is taking the mick!

Gill (sneakiefeline) · « **Reply #33 on:** October 01, 2009, 19:37:56 PM »

Yes you are right crossbreeds grrrrrrrrrrrrr

However just diid a fictional quote using my old London postcode and for a 14 month cat came to 11.39 a month,,,,,,,,I would expect a fairly high quote in the dark parts of South London and was using a fairly young cat.

Have to say my youngest cat here is still under £10 a month but am paying about £18 for each birman who are bothe £16 years old

Your postcode has a lot to do with it, could you have maybe put pedigree by accident.......where do you live?

angeleyes · « **Reply #32 on:** October 01, 2009, 19:34:54 PM »

Its partly because of her age, if i put in 1 year old its £16 if i put 2 years its £13

Tiggy's Mum · « **Reply #31 on:** October 01, 2009, 19:31:31 PM »

That's extortionate! I pay around £7 per month per cat, that's a renewal price but I also did a dummy quote earlier on to see what the excess was and it was still £7 a month with a £75 excess.

Gill (sneakiefeline) · « **Reply #30 on:** October 01, 2009, 19:28:14 PM »

Are you sure you are in cats!

Will go and have a look

angeleyes · « **Reply #29 on:** October 01, 2009, 19:18:15 PM »

I've just done a quote selecting pedigree and the charge is the same, i will have to shop around i think!

angeleyes · « **Reply #28 on:** October 01, 2009, 19:15:28 PM »

Quote from: Gill (sneakiefeline) on October 01, 2009, 19:11:28 PM

OK thats your problem, change it to moggie

Where it asks type of pet you can only selected pedigree or cross breed so i selected cross?!

Kay and Penny · « **Reply #27 on:** October 01, 2009, 19:13:16 PM »

I've just insured Tosker, a 2 year old moggie, for less than £7 per month with AXA, £75 excess

I think you need to query that with them - Trigger is an 8 year old pedigree and he is less than £9 per month

Gill (sneakiefeline) · « **Reply #26 on:** October 01, 2009, 19:11:28 PM »

OK thats your problem, change it to moggie

angeleyes · « **Reply #25 on:** October 01, 2009, 19:10:32 PM »

Quote from: Gill (sneakiefeline) on October 01, 2009, 19:08:32 PM

hmmmmmmmm is she a pedigree, how old?

I pay double for my pedigrees over my moggies

No i just put crossbread (she could be pedigree i would never know!) and she is 3 months

Gill (sneakiefeline) · « **Reply #24 on:** October 01, 2009, 19:08:32 PM »

hmmmmmmmm is she a pedigree, how old?

I pay double for my pedigrees over my moggies

angeleyes · « **Reply #23 on:** October 01, 2009, 19:07:20 PM »

Quote from: Millys Mum on October 01, 2009, 19:06:03 PM

Do you live in a posh postcode?

I wouldn't say posh lol but it is nice and quiet round here, that should make it cheaper surely!!

Author Topic: To insure or not? (Read 8633 times)