Topic: Just opened Max's insurance renewal from M&S.... (Read 6594 times)

Desley (booktigger) · « **Reply #37 on:** October 26, 2007, 08:18:51 AM »

That is an awful letter to receive.
You might want to watch running the two to overlap, you could end up having probs if you tried to claim, as if it still comes under the M & S policy, they might try and refuse to pay cos you have cancelled.

Gill (sneakiefeline) · « **Reply #36 on:** October 25, 2007, 18:35:31 PM »

I am so sorry you got that letter it must have been so upsetting

Millys Mum · « **Reply #35 on:** October 25, 2007, 18:25:00 PM »

I did it online Gill.

I got a letter today from M&S thanking me for renewing my insurance for George, who happened to be pts in feb

Quote

Mine runs from 23 October cos I wanted old and new to overlap as there is a 14 day period at begiining where yiou cant claim. so except for a few days on two I have overlap.

If i swap thats what il do

Gill (sneakiefeline) · « **Reply #34 on:** October 25, 2007, 11:46:41 AM »

When I spoke to AXA testreday cos of a typo I made ..........sigh. they said it still hadnt been spat out in their system but it depended on how many were going through.

I reckon Purrs people are clogging up the system

Milly did you do it online cos I think they different rates to over the phone.

If mine had only been £20 a year I would have stayed where I was but at £400 a year difference, noooooooooooo way

Mine runs from 23 October cos I wanted old and new to overlap as there is a 14 day period at begiining where yiou cant claim. so except for a few days on two I have overlap.

clarenmax · « **Reply #33 on:** October 25, 2007, 10:07:41 AM »

Just confirmed acceptance to the AXA quote, so will run from November

Millys Mum · « **Reply #32 on:** October 25, 2007, 09:44:40 AM »

Just quoted the 2 of mine i could move at the moment and its £20 a year less. Not as much as i was hoping

Millys Mum · « **Reply #31 on:** October 24, 2007, 11:21:13 AM »

Whe you put it like that Gill!

Gill (sneakiefeline) · « **Reply #30 on:** October 24, 2007, 01:56:45 AM »

Gillian my £14 yr olds and they are peds are £13+ a month less than with M&S and thats each!

So that is ummmmmmmm £26 x 12 = over £300 a year..................why the hell didnt I do this before? Plus I saving another £10 on the other two so that another £120 a year.

I think I was being ripped off something chronic

Tiggy's Mum · « **Reply #29 on:** October 24, 2007, 00:22:04 AM »

Another good thing about the Axa policy is that 'oldies' pay the same excess as everyone else - £50. With M&S it was 15% of the treatment cost over a certain age (think it was 8?).

Gillian Harvey · « **Reply #28 on:** October 24, 2007, 00:18:08 AM »

Ooh, just got a quote for little Gwyn (4 months old) £68.73 per year with AXA, not bad! and just ran a quote for Zeta who is 14 and it came up £35 a year cheaper than M&S, can't move Jasper, who is 13, because of his CRF (2 claims made already! - one paid, one pending!) The others arent insured, I have a 'save a fiver' section in my purse, where all my 'spare' fivers go LOL!

Corporal Smokey · « **Reply #27 on:** October 23, 2007, 22:15:04 PM »

I know, I don't think my bank account could cope with another bout of crf. Although I weighed up the odds when I got the Tesco's quote and it did work out better for me to have a savings account.

The savings account that's just helped insure the big cuddlebear for a year! I'm so much happier now and very grateful for the advice

Desley (booktigger) · « **Reply #26 on:** October 23, 2007, 22:05:13 PM »

FIV is actually the equivalent of HIV, not AIDS, they are separate illnesses in both humans and cats, and one doesn't necessarily lead to the other.
My policy for Molly with Sainsburys went up by about £4 a month I think, but I did get her on either 10 or 15% discount last year, so can't really complain - not looking forward to Tigers though!!
Glad you managed to get Josh insured CS, it is especially worth it with oldies.

Gill (sneakiefeline) · « **Reply #25 on:** October 23, 2007, 19:21:33 PM »

All prices tend to go up a bit but M&S doubled them to pay for the losses they made with the NIL excess, so there is no reason for AZA to increase prices like that.

Also they underwrite Sainsburys insurance and theirs di not go up like M&S did.

What gets me about M&S is how they lied about the reason for the increase and they said all the others were going up a similiar percentage and that was not true. I wish I had realized earlier cos I wouldnt have been so broke all summer.

Millys Mum · « **Reply #24 on:** October 23, 2007, 18:28:44 PM »

Lets just hope AXA dont do a M&S and put the prices up next year

Gill (sneakiefeline) · « **Reply #23 on:** October 23, 2007, 18:15:18 PM »

Thats great I am so pleased he will be insured

See you later in the Basket

Corporal Smokey · « **Reply #22 on:** October 23, 2007, 18:12:41 PM »

Just had a quick gander, £8.15!!!!

Right got to get on that tram now...

See you in the cat's basket

...with insured Josh...

Corporal Smokey · « **Reply #21 on:** October 23, 2007, 18:07:52 PM »

Flippin' eck that IS good. When I first got him, I couldn't find anyone other than M&S who'd actually insure him. I'm about to join the delightful Nottingham rush hour and go home but I'll have a look when I get there...

Gill (sneakiefeline) · « **Reply #20 on:** October 23, 2007, 18:03:12 PM »

Well Sainsburys and AXA would give you a reasonable quote I think.

Axa are charging me about £9.60 each for my 14yr old birmans, it was £23+ with M&S

Millys Mum · « **Reply #19 on:** October 23, 2007, 18:00:40 PM »

Have you tried AXA for a quote? You may get a nice surprise

Corporal Smokey · « **Reply #18 on:** October 23, 2007, 17:56:00 PM »

He's an old man

Gill (sneakiefeline) · « **Reply #17 on:** October 23, 2007, 17:52:38 PM »

Why did they want to charge so much for Josh?

Corporal Smokey · « **Reply #16 on:** October 23, 2007, 17:42:27 PM »

My Tesco's insurance on Smokey is about £6 a month. They seemed to charge more for him being Persian but didn't take in to account he's an indoor cat which I would've thought would make a difference to the nasties he's exposed to (not starting THAT debate again, just in general from bad plants to cars to dodgy mice dinners). Strange. It was the cheapest I found anyway.

Josh isn't insured sadly. They wanted £25 a month for him. I put £20 monthly into an account for him instead in case he ever needs it. I'd rather the money went to better use (i.e. the Nook cats) if he doesn't.

Gill (sneakiefeline) · « **Reply #15 on:** October 23, 2007, 17:19:18 PM »

I have done the deed today too and that puts £36+ back in my hand and the car will be happy or even my cards

Must go and cancel the direct debits before I forget!

Susanne (urbantigers) · « **Reply #14 on:** October 23, 2007, 10:42:47 AM »

Ouch - that's a bit of a hike in the M&S premium. Axa sounds like the best bet at the moment.

clarenmax · « **Reply #13 on:** October 23, 2007, 10:41:41 AM »

Sorted, have cancelled M&S, and will be saving about £4 a month, which could be a new toy each month for my little ~~darling~~ monster

Still seems mad that there is such a price difference, the reason given by M&S is that they charge their 'fees' on top of the AXA quotes, so its going to be cheaper going direct.

clarenmax · « **Reply #12 on:** October 22, 2007, 20:18:36 PM »

Oooh, will read a bit deeper then, the t&c do look the same as M&S, as with the level of cover etc.

Thanks for explaining FIV Ela

Ela · « **Reply #11 on:** October 22, 2007, 18:49:56 PM »

Quote

What does FIV+ Mean???

Feline Immunodeficiency Virus commonly known as Feline AIDS

alisonandarchie · « **Reply #10 on:** October 22, 2007, 18:32:21 PM »

Quote from: clarenmax on October 22, 2007, 16:55:21 PM

....and you've guessed it, its gone up quite a bit. From £11 odd at the moment to £15.41 per month.

That is quite an increase

Gill (sneakiefeline) · « **Reply #9 on:** October 22, 2007, 17:53:03 PM »

I have just checked my M&S conditions book and if you pay monmthly and have made no claims you can cancel at any time

I am going to cancel now cos have got the quotes from AXA and just to do the two birmans is less than one of them with M&S and the other two are also about half the price , so that means about £36 pounds back in my purse and the terms and conditions as far as I can see are the same as M&S.

There is a 14 day waiting time for it to start but that will be covered by my other insurance for most of it.

SpecialRed · « **Reply #8 on:** October 22, 2007, 17:37:34 PM »

Quote from: Gill (sneakiefeline) on October 22, 2007, 17:01:12 PM

Try looking at AXA!

What does FIV+ Mean??? BTW mines £5 with Tesco including his ££££ collar!

clarenmax · « **Reply #7 on:** October 22, 2007, 17:20:31 PM »

I'll give it a try in the morning then, see what they say!

Gill (sneakiefeline) · « **Reply #6 on:** October 22, 2007, 17:19:46 PM »

I havent got rounf to it yet and if you pay em monthly and havent made a claim I reckon they cat stop you.

clarenmax · « **Reply #5 on:** October 22, 2007, 17:18:32 PM »

Just checked on my M&S letter, was dated 5th October, but only just reached me .... must have been caught up in strike post from before ......... but you only get 10 days from date of letter to cancel the policy grrrrrrr.

Might try, but don't think I'll have a leg to stand on as I can't prove it.

Dammit

Gill (sneakiefeline) · « **Reply #4 on:** October 22, 2007, 17:17:14 PM »

We dont know how quick they payout but they underwrite M&S and Sainsburys

clarenmax · « **Reply #3 on:** October 22, 2007, 17:16:13 PM »

Hmmmm, about £5 a month cheaper.

Anyone have any direct experience with these guys ........ (apologises in advance if this has already been on a thread before

)

Gill (sneakiefeline) · « **Reply #2 on:** October 22, 2007, 17:01:12 PM »

Try looking at AXA!

clarenmax · « **Reply #1 on:** October 22, 2007, 16:55:21 PM »

....and you've guessed it, its gone up quite a bit. From £11 odd at the moment to £15.41 per month.

The excess has also altered I believe, either first £50, or 15% whichever is the greater.

Having looked online though, it still seems to offer the best terms, i.e. £7,000 per year, so I reckon I'll still stay with them, for peace of mind should my boy ever hurt himself. Even if nothing is covered if they can put it down to the FIV, the posts I've seen where puds have either swallowed something, or fallen off something have at least made me realise its still a worthwhile addition.

Author Topic: Just opened Max's insurance renewal from M&S.... (Read 6594 times)