Insurance renewal for Beamish

General discussion on all labradoodle-related matters - anything not otherwise covered by specific forums on the site.
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Bid
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Insurance renewal for Beamish

Post by Bid » 03 May 2014, 18:19

In the light of the horrendous premium increases people have had recently, I was a little concerned when the renewal fro Beamish came through, but good old Petplan - it has only gone up by just under £20 per year, with no increase in the excess. I am hugely relieved :D :D (although I think Daisy will be expensive after this year as she will be 8 and policies seem to change at that age).
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Beauty without vanity, strength without insolence, courage without ferocity, and all the virtues of man without his vices - Byron

scooby Dood
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Re: Insurance renewal for Beamish

Post by scooby Dood » 03 May 2014, 19:11

We are with Pet Plan for Scooby. She is only 23 weeks old but as she will be classed as a big dog, we pay £22.00 per month for up to £7500 per a a annum for life. As this is our first dog the piece of mind it gives us is unmeasurable.
Scooby Dood, Andrea & Kerry

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Willow Dood
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Re: Insurance renewal for Beamish

Post by Willow Dood » 03 May 2014, 19:33

Where did we go wrong? Willow is insured with Petplan with a £4000 pa for life policy and we are paying over £26 per month?
Sue and Willow xx

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willow&kobi
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Re: Insurance renewal for Beamish

Post by willow&kobi » 03 May 2014, 19:59

I pay half of that for Willow ,but Im not with pet plan...i use to have pet plan a few years ago.

Ianto!
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Re: Insurance renewal for Beamish

Post by Ianto! » 03 May 2014, 21:14

Willow Dood,
Ianto, as a small Labradoodle, is covered for life with Pet Plan for £7k (excess £90) at £22.78 p.m. Do you have a lower excess, perhaps?
Anne & Ianto x

suebedo
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Re: Insurance renewal for Beamish

Post by suebedo » 03 May 2014, 21:58

We have the same Willow Dood. With pet plan with £4000 of cover and the cost is £30 for Fozzie and £23 for Flo. The excess is £100. The difference in price is postcode related - we are not far from you and our premiums seem the highest in the country. I think they realised they couldn't put the price up any higher so reduced the cover instead!

My worry is that if something happens, the bills at the vet can quite easily top £4000 and then we'd have to find the cash.

The other interesting (and annoying) thing is the difference in cost between Fozz and Flo. There is 3 months between them and the only difference is gender. I never knew that a male dog would cost more to insure but it does in my case!!!!
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Doodle Dee
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Re: Insurance renewal for Beamish

Post by Doodle Dee » 03 May 2014, 22:06

Hello people

I pay £35.06 for my premium for Lulu!!!!!!

It is post code related and apparently our Vets around here charge a lot of money

There was a thread last year on this which is why I telephoned them to find out why I am paying so much


(for my little Lulu)
Lulu & Dx

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scooby Dood
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Re: Insurance renewal for Beamish

Post by scooby Dood » 03 May 2014, 23:14

There is such a difference in premiums! We live in a South Wales and I wonder if that makes a difference. Our excess is £75.00
Scooby Dood, Andrea & Kerry

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Willow Dood
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Re: Insurance renewal for Beamish

Post by Willow Dood » 04 May 2014, 08:33

There is such a difference in premiums. Our excess is £100 for vets fees. But this year (our 2nd) Petplan didn't put up the premium. It is still £26.37. I do think that our vets are expensive, but they seem to have a very good reputation. I guess that only the best is good enough for our precious doods.
Sue and Willow xx

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Benben
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Re: Insurance renewal for Beamish

Post by Benben » 04 May 2014, 09:38

I was paying Petplan a whopping £42 per month for one seven year old cat who had never made a claim. I thought initially that it must be a mistake, but they assured me it was all correct. This was in spite of moving out of central London and down to Sussex. In fact the premiums were twice what my house insurance is, which is specialist B&B insurance covering public liability for guests. It's a total rip off.

I went online and got a quote, using all the same details (except for the name) and a postcode which was almost the same and covers the same area. The quote, for the same cover, was less than £18.

I wrote to them enclosing the quote and asking them to explain themselves. I now pay £22 a month; Ursa is about the same (in spite of the fact that dogs are a far FAR higher risk insurance wise). So challenge it and play them at their own game...

(PS: I think the difference is renewing the breeder's insurance, which I'd done for the cat but not the dog)
Ursa: born 28.10.13

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Ianto!
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Re: Insurance renewal for Beamish

Post by Ianto! » 04 May 2014, 18:42

Does anyone know whether it makes a difference to premiums if we describe our treasures as "Labradoodle" or "Crossbreed"??
Anne & Ianto x

suebedo
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Re: Insurance renewal for Beamish

Post by suebedo » 04 May 2014, 21:05

The thing is, if you know it's a Labradoodle and just say cross breed, it may invalidate any claims as they have a Labradoodle category.
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Bid
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Re: Insurance renewal for Beamish

Post by Bid » 04 May 2014, 21:13

When I first insured Daisy they told me they would put her down as a crossbreed as it was cheaper - their decision!
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Beauty without vanity, strength without insolence, courage without ferocity, and all the virtues of man without his vices - Byron

suebedo
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Re: Insurance renewal for Beamish

Post by suebedo » 04 May 2014, 21:56

When I insured Florence I asked about putting her down as a crossbreed and they said they couldn't as she was a Labradoodle. Just goes to show that it depends on who you get on the phone!!
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Doodle Dee
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Re: Insurance renewal for Beamish

Post by Doodle Dee » 04 May 2014, 22:34

Pet play have labradoodles down as a breed - go figure
Lulu & Dx

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