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Author Topic: Rip off  (Read 497 times)

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BazaJT

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Rip off
« on: 01 January 2019, 17:39:29 »

Had an automated notice of insurance renewal for Dog.The year just ending it cost me 120,this year only differences being that she's a year older[she'll be 9]and I'm now retired.No claims have been made or anything and this year they want 250 :o I thought car insurance renewals tended to be a bit of a rip off but such an increase is bordering on the insane :-X Needless to say I won't be renewing with them!
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STEMO

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Re: Rip off
« Reply #1 on: 01 January 2019, 17:47:17 »

My westie is 7 years old. She started off at 11 a month when she was a puppy and is now up to 28 a month (336 pa). Apparently, by the time they are 10, it's nearer 50 a month, so another couple of years and I'll have to take the chance. I'm not paying 600 a year.
The cheeky bastards even exclude skin conditions and allergies because they know westies are prone to those conditions.
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Field Marshal Dr. Opti

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Re: Rip off
« Reply #2 on: 01 January 2019, 17:52:11 »

Insurers are not stupid you know.

They will welcome you with open arms if your mutt is young fit and healthy, and unlikely to need expensive attention. Show them an older dog and they are not so keen........keen only to put up the premium.

   
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Field Marshal Dr. Opti

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Re: Rip off
« Reply #3 on: 01 January 2019, 17:54:33 »

My westie is 7 years old. She started off at 11 a month when she was a puppy and is now up to 28 a month (336 pa). Apparently, by the time they are 10, it's nearer 50 a month, so another couple of years and I'll have to take the chance. I'm not paying 600 a year.
The cheeky bastards even exclude skin conditions and allergies because they know westies are prone to those conditions.

How much have you paid in total and how much treatment has your mutt had?
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Field Marshal Dr. Opti

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Re: Rip off
« Reply #4 on: 01 January 2019, 17:56:00 »

My westie is 7 years old. She started off at 11 a month when she was a puppy and is now up to 28 a month (336 pa). Apparently, by the time they are 10, it's nearer 50 a month, so another couple of years and I'll have to take the chance. I'm not paying 600 a year.
The cheeky bastards even exclude skin conditions and allergies because they know westies are prone to those conditions.


Insurance companies are very fond of exclusions. They usually have a long list.
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STEMO

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Re: Rip off
« Reply #5 on: 01 January 2019, 18:47:09 »

My westie is 7 years old. She started off at 11 a month when she was a puppy and is now up to 28 a month (336 pa). Apparently, by the time they are 10, it's nearer 50 a month, so another couple of years and I'll have to take the chance. I'm not paying 600 a year.
The cheeky bastards even exclude skin conditions and allergies because they know westies are prone to those conditions.

How much have you paid in total and how much treatment has your mutt had?
I'll leave the maths to you.....and I have never claimed.

"So, STMO, you could have put all of that dosh into a bank account and had enough saved to cover any vets bill by now"

"Yes, Opti, I know. But, as I haven't got a crystal ball, I'm not to know that......am I?"
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jimmy944

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Re: Rip off
« Reply #6 on: 01 January 2019, 19:35:37 »

Being French Bulldogs, and therefore apparently made of fine china, our two were close on 30 each per month as pups. So far we're more than a grand up on not taking it.

One of them has a skin complaint that requires regular injections, but as noted above, these were excluded from all policies we looked at.
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Migv6

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Re: Rip off
« Reply #7 on: 01 January 2019, 20:29:04 »

I may be missing something, but surely it would be cheaper to just buy a new dog ?  ???
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STEMO

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Re: Rip off
« Reply #8 on: 01 January 2019, 20:31:29 »

I may be missing something, but surely it would be cheaper to just buy a new dog ?  ???
A pedigree westie will set you back around 1200. Spoke to a fella today who's just spent 2000 on an English terrier for the kids for Christmas.
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Doctor Gollum

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Re: Rip off
« Reply #9 on: 01 January 2019, 20:36:00 »

I may be missing something, but surely it would be cheaper to just buy a new dog ?  ???
If you make it an entirely fiscal transaction then you are both correct and a psychopath.
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Sir Tigger QC

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Re: Rip off
« Reply #10 on: 01 January 2019, 20:53:18 »

I may be missing something, but surely it would be cheaper to just buy a new dog ?  ???
A pedigree westie will set you back around 1200. Spoke to a fella today who's just spent 2000 on an English terrier for the kids for Christmas.

A dog is for life, not just for Christmas.  :P  ::)
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STEMO

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Re: Rip off
« Reply #11 on: 01 January 2019, 20:57:21 »

I may be missing something, but surely it would be cheaper to just buy a new dog ?  ???
A pedigree westie will set you back around 1200. Spoke to a fella today who's just spent 2000 on an English terrier for the kids for Christmas.

A dog is for life, not just for Christmas.  :P  ::)
No. This is Barnsley. It was for Christmas dinner.  ;D
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Sir Tigger QC

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Re: Rip off
« Reply #12 on: 01 January 2019, 21:02:50 »

I may be missing something, but surely it would be cheaper to just buy a new dog ?  ???
A pedigree westie will set you back around 1200. Spoke to a fella today who's just spent 2000 on an English terrier for the kids for Christmas.

A dog is for life, not just for Christmas.  :P  ::)
No. This is Barnsley. It was for Christmas dinner.  ;D

Ah, you didn't say the fella was from North Korea.  :)
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Tony H

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Re: Rip off
« Reply #13 on: 01 January 2019, 22:09:05 »

As with most dog insurance it is not just the vet bills to consider. Although this is a main consideration a friend of mine didn't take out insurance on there new dog and have had several uninsured dogs before and have  been lucky with no major vets bills however there last dog needed a hip replacement and as a consequence his bank account is now 6,000 lighter. The other thing to consider is third party liability cover.Imagine if your dog got out caused a car crash which resulted in a claim for personal injury and property damage resulting in a huge claim against you. "food for thought".
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STEMO

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Re: Rip off
« Reply #14 on: 01 January 2019, 22:11:22 »

As with most dog insurance it is not just the vet bills to consider. Although this is a main consideration a friend of mine didn't take out insurance on there new dog and have had several uninsured dogs before and have  been lucky with no major vets bills however there last dog needed a hip replacement and as a consequence his bank account is now 6,000 lighter. The other thing to consider is third party liability cover.Imagine if your dog got out caused a car crash which resulted in a claim for personal injury and property damage resulting in a huge claim against you. "food for thought".
Indeed, Tony, my policy has 1,000,000 third party liability.
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