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Pet Insurance
Nikkisun
Posts: 1,330 Forumite
Wasn't sure if this should go here or in the Pet Forum!!
Am looking at insurance for our new puppy and two of the ones that seem to come out top are John Lewis (underwritten by AXA) and Pets at Home (underwritten by Broadgate who I think are part of Lloyds).
Both policies come to the same price and to be honest the websites look the same - are AXA and Broadgate essentially the same company in which case it probably doesn't matter which one I go with!
Am looking at insurance for our new puppy and two of the ones that seem to come out top are John Lewis (underwritten by AXA) and Pets at Home (underwritten by Broadgate who I think are part of Lloyds).
Both policies come to the same price and to be honest the websites look the same - are AXA and Broadgate essentially the same company in which case it probably doesn't matter which one I go with!
xxx Nikki xxx
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Comments
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JL is Axa and Pets@Home is joint Syndicate 1301 and Groupama but administrated by Capita.
Havent looked at the quote and buy systems the two use but it could be they are similar because of using the same software, same design agency or a number of other possibilities but the underwriters are in no way connected.0 -
Thanks - will have to check out which is the best now - was hoping they were the same so I could just go with either!xxx Nikki xxx0
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Even if they were the same underwriter there is no guarantee that they have the same terms and conditions. Even if they have the same terms and conditions there is no guaranteed they are applied in the same way.
A former client was an intermediary for travel insurance and if a company (eg an airline) wanted to have a policy branded to them they'd do that for them either using stock wording or specially written wording for them. Likewise the partner could effectively choose the wholesale price they wanted to pay.... pay £5 a policy and your customers' calls are low priority and the wording strictly applied. Pay £7 a policy and your calls are prioritised in the queue and they get some benefit of the doubt (eg if your customers flight is delayed for 2hrs 58min then it'd be counted as 3hrs so get a delayed departure payment)
Of cause that is just the wholesale price, it is up to the partner to decide what the retail price is and they may or may not chose to reflect the "soft benefits" in the price.0 -
If it's a pedigree dog I highly recommend Kennel Club insurance. They will insure a dog for the life of the animal unlike some insurers who promise that but don't deliver.
We've had excellent service from them.0 -
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