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Insurance needs to drop

hmc
Posts: 2,483 Forumite


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
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
0
Comments
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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?0 -
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/0 -
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....0 -
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:footie:Regular savers earn 6% interest (HSBC, First Direct, M&S)
Loans cost 2.9% per year (Nationwide) = FREE money.
0 -
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 oneGrocery Challenge £211/£455 (01/01-31/03)
2016 Sell: £125/£250
£1,000 Emergency Fund Challenge #78 £3.96 / £1,000Vet Fund: £410.93 / £1,000
Debt free & determined to stay that way!0 -
Thankyou for your thoughts0
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