"Fleet" pet insurance

Crossy

A friend of mine has four dogs (two of which are getting on in years).is their a pet insurance that gives a discount for more than one pet?

I feel very sorry for her as her husband is disabled and she struggles to make ends meet. I mentioned to her about the PDSA, but I am not sure that she would be eligible as her home home was inherited - so no mortgage. She does receive invalid benefit and she has a slight reduction in council tax.

Anyway she is ringing them today to find out, but any help with the matter of pet insurance for a number of dogs would be helpful.

TomsMom

Sorry I don't know if there are discounts available for more than one pet, I only have one dog insured and a cat who is not insured.

For the PDSA you need to be in receipt of Housing Benefit or Council Tax Benefit. It doesn't sound like her "small reduction" in Council Tax is actually Council Tax Benefit. Plus you need to live in their catchment area. Linky.

Maybe when she contacts the PDSA they may be able to suggest something or know of other animal charities that may help or have knowledge of multiple pet insurance.

moomin5

I think most offer a small discount with multiple dogs, but often its not much in grand scheme of things. My dogs with NFU which offers fairly decent policy for a reasonable price and we get a small discount each year for staying with them & they give discounts if you also have car/house policies with them.

Jay_Tee

TomsMom wrote: »

For the PDSA you need to be in receipt of Housing Benefit or Council Tax Benefit. It doesn't sound like her "small reduction" in Council Tax is actually Council Tax Benefit. Plus you need to live in their catchment area. Linky.

I think that a "small reduction" in council tax will be Council Tax Benefit as I can't think of any other was of getting a small reduction, I recieve it at the rate of just over £2 a week. I suspect the OP's friend just needs to check if she is in a PDSA catchment area

hethmar

I dont think looking for an insurer that gives multiple pet discount is the best way round it as discount on a much higher premium to start with wouldnt benefit her at all.

Look on the confused.com site for comparisons -get the best price for one pet and you can then always ask the insurer for discount for multiples

Check out the sticky thread on pet insurance:

https://forums.moneysavingexpert.com/discussion/108056

hethmar

Oliver391 wrote: »

I work for a company that offers multi pet Insurance called Get Covered. You can get a no obligation free quote, see what you think

:eek: An E and L company!:eek: Avoid at all costs!

Just a sample:

http://www.reviewcentre.com/reviews57547.html

http://www.uk-insurance-index.co.uk/insurance-company-1186.html

http://www.petinsurancereview.co.uk/EL.asp
http://www.consumeractiongroup.co.uk/forum/showthread.php?83420-E-amp-L-Pet-Insurance-anyone-else-had-problems


There are also a number of complaint threads on MSE here.

https://forums.moneysavingexpert.com/discussion/3280910

TomsMom

Jay_Tee wrote: »

I think that a "small reduction" in council tax will be Council Tax Benefit as I can't think of any other was of getting a small reduction, I recieve it at the rate of just over £2 a week. I suspect the OP's friend just needs to check if she is in a PDSA catchment area

I was going on the fact that the OP mentioned "small reduction" and not benefit, and I know that my mother gets a reduction for being on her own in the property but she does not get Council Tax Benefit.

From the directgov.co.uk site

Reducing your Council Tax bill

You may be able to reduce your bill if:

•the property is empty
•only one adult lives there
•you are disabled
•you are a student
•you are a student nurse
If you're on a low income you may qualify for Council Tax Benefit.

Your full Council Tax bill is based on at least two adults living in a home. If only one adult lives in a home (as their main home), the Council Tax is reduced by 25 per cent. The bill doesn't increase if there are more than two adults in the home.

but these don't seem to be classed as Council Tax Benefit as it states that if you're on low income you may qualify for CTB.

Jay_Tee

TomsMom wrote: »

I was going on the fact that the OP mentioned "small reduction" and not benefit, and I know that my mother gets a reduction for being on her own in the property but she does not get Council Tax Benefit.

From the directgov.co.uk site



but these don't seem to be classed as Council Tax Benefit as it states that if you're on low income you may qualify for CTB.

I see exactly what your saying, but small amounts of Council Tax Benefits like the amount I get aren't paid to me as I own my house, but are deducted from my council tax bill instead which seems very similar to the circumstances described in the OP, I may be totally wrong

TomsMom

Jay_Tee wrote: »

I see exactly what your saying, but small amounts of Council Tax Benefits like the amount I get aren't paid to me as I own my house, but are deducted from my council tax bill instead which seems very similar to the circumstances described in the OP, I may be totally wrong

Yes, OP does mention that the friend's husband is disabled (and they receive invalidity benefit) so that would come under the eligibility for possible reduction, but that wouldn't be classed as CBT. To receive CBT it appears your income and capital needs to be below a certain limit and the OP hasn't mentioned this.

Same as you, my mother owns her house and gets a reduced bill so doesn't receive Benefit as such, it's just classed as a reduction. In fact she's entitled to nothing as she has my deceased father's pension which, when added to her OAP, plus some savings, takes her above the level of income for any help.

It sure is a minefield!

It would be nice to know how the OP's friend got on when she contacted the PDSA.