We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Insurance needs to drop

Hi all
We have hit financial problems and something's need to give
I'm with axa at £32 a month for a 10 yr collie, and £20 for springer pup 5 mths
These are life policy's which I have always had,( luckily never used)
If I were to shop around for yearly policy's,which would any of you recommend ,and which dog do I drop
The older as he wouldn't potentially need life long drugs as long but may need more treatments in old age? Or the pup who should be healthier but could have accidents or develop life long disease?
Oh I hate this
Any advice please

Comments

  • pawsies
    pawsies Posts: 1,957 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker I've been Money Tipped!
    Pet insurance is the one thing I think you should keep especially as you are on life cover at the moment.

    If you are having financial problems now with £52 a month how can you afford a unexpected £3000 bill?

    I would look at your other outgoings and reduce them as much as possible. Buy reduced food at supermarket at night, switch gas and electric to cheaper companies and possibly water.
    Consider using public transport instead of car to get to work if possible, would save you on fuel or even walk to work if it is possible?
  • *Scarlett
    *Scarlett Posts: 1,760 Forumite
    With the 10 yr old you will probably find it difficult to find a cheap policy. Most providers load the premiums for dogs over 7.

    With the Springer pup I would imagine you can find something cheaper (providing he has no ongoing conditions)

    Check the comparison sites and insurers directly eg

    http://www.directline.com/pet-insurance/

    I have used Argos Platinum for the past few years for our 3 yr old Cairn Terrier. We had a claim a couple of years ago for a badly cut paw which was settled without incident.

    When you get quotes check the excess fees and cover. Maybe look here

    http://www.defaqto.com/guides/insurance/pet-insurance-guide/

    http://www.which.co.uk/money/insurance/reviews-ns/pet-insurance/
  • gettingready
    gettingready Posts: 11,330 Forumite
    10,000 Posts Combo Breaker
    Zara's policy s £89 per month and as much as I am dreading the renewal (28th October) - I would not be without.

    Financially OK now but believe me< I was living on next to nothing and still had all 6 cats and Zara insured....
  • HappyMJ
    HappyMJ Posts: 21,115 Forumite
    10,000 Posts Combo Breaker
    hmc wrote: »
    Hi all
    We have hit financial problems and something's need to give
    I'm with axa at £32 a month for a 10 yr collie, and £20 for springer pup 5 mths
    These are life policy's which I have always had,( luckily never used)
    If I were to shop around for yearly policy's,which would any of you recommend ,and which dog do I drop
    The older as he wouldn't potentially need life long drugs as long but may need more treatments in old age? Or the pup who should be healthier but could have accidents or develop life long disease?
    Oh I hate this
    Any advice please
    If you drop the policy you will not be able to restart it....so your choice is drop the policy and if an accident or long term illness occurs put dog to sleep or sell everything you have to pay for treatment.
    :footie:
    :p Regular savers earn 6% interest (HSBC, First Direct, M&S) :p Loans cost 2.9% per year (Nationwide) = FREE money. :p
  • TBH Axa were pretty good on price so I doubt you'd be able to better them

    I guess the only thing to try would be a couple of quotes online and reduce the amount of cover a bit? (I know Axa is £7k on their lifetime cover)

    12 month polices are a waste of time IMHO

    The only other thing would be to think of an accident / injury policy for the older dog BUT only if you're happy to either pay for any ongoing treatment that may be needed - especially worthy of note as s/he is getting older and it may be needed. I know Tes*co do one
    Grocery Challenge £211/£455 (01/01-31/03)
    2016 Sell: £125/£250
    £1,000 Emergency Fund Challenge #78 £3.96 / £1,000
    Vet Fund: £410.93 / £1,000
    Debt free & determined to stay that way!
  • hmc
    hmc Posts: 2,483 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Thankyou for your thoughts
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.2K Work, Benefits & Business
  • 600.8K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.