Troosers Too Posted June 20, 2012 Report Share Posted June 20, 2012 Yikes! I just got a renewal quote for the lab's insurance from Esure. They want to increase it from £147 to £273 per year! Has anyone had any recent sensible quotes on mutt insurance? Cheers TT Quote Link to comment Share on other sites More sharing options...
kent Posted June 20, 2012 Report Share Posted June 20, 2012 oh, its one big scam that one. Playing on our fears. How many spend over 2k on vet bills in a dogs life? upsetting though it is to loose a dog in its prime or have to decide if treatment is worth it. there is always the option of setting money aside in a sepparate account weekly, monthly or in a lump sum. I dont want a three legged dog and i wouldn't put one through cancer treatment or have one rebuilt with so much metal it might go rusty on the marsh. Decide were you stand personally i think Quote Link to comment Share on other sites More sharing options...
Troosers Too Posted June 20, 2012 Author Report Share Posted June 20, 2012 Kent - I like your thinking on setting the cash aside each month. The only thing that wouln't cover is liability insurance. A neighour of mine had a labrador that was hit by a car. The dog died and she also got the bill for the extensive damage to the car. Bad do all round. I must admit though, that paying over £500 a year on the insurance on 2 dogs is plain daft! Cheers TT Quote Link to comment Share on other sites More sharing options...
al4x Posted June 20, 2012 Report Share Posted June 20, 2012 Often your house insurance would cover the liability issue in those sort of circumstances. Realistically Insurance takes the worry out of dog ownership were you to have one with a nasty break or cruciate ligament go then you would get your money back. Undoubtably most are better just putting the money in the bank however it is a form of gambling and the day after you cancel you could get a 2k bill Quote Link to comment Share on other sites More sharing options...
kent Posted June 20, 2012 Report Share Posted June 20, 2012 Kent - I like your thinking on setting the cash aside each month. The only thing that wouln't cover is liability insurance. A neighour of mine had a labrador that was hit by a car. The dog died and she also got the bill for the extensive damage to the car. Bad do all round. I must admit though, that paying over £500 a year on the insurance on 2 dogs is plain daft! Cheers TT I think Al4x is correct on the house insurance, but did the car hit the dog or the dog hit the car. If a pedestrian is knocked over will he need insurance to fix the car also? No insurance no claim i say- its a scam Quote Link to comment Share on other sites More sharing options...
ferguson_tom Posted June 20, 2012 Report Share Posted June 20, 2012 (edited) How many spend over 2k on vet bills in a dogs life? Thats what it cost when our last springer broke her leg, 6 months later back fighting fit. Mine are both insured because now in a position where i couldnt afford a big vet bill and they would have to have the golden needle. I wouldnt put them through anything like the long term treatments for illnesses it is more for accidents and injuries. I think i pay about £250.00 each with sainsburys that is with there higher package with lifetime payouts for anything. Edited June 20, 2012 by ferguson_tom Quote Link to comment Share on other sites More sharing options...
Troosers Too Posted June 20, 2012 Author Report Share Posted June 20, 2012 Kent, The dog had been let out into the garden early one morning & had escaped to chase rabbits. It jumped a dry stane dyke and landed in/on the car's radiator grill. The, very shaken, driver turned up at my door looking for help. The car mas a mess & undriveable. The poor dog, when I eventually found him a few yards away, was still alive but in a very bad way & had to be put down by the vet. I believe that the car insurer's bill to the dog owner was in excess of £2000. I'll give Sainsburys a try too. Cheers TT Quote Link to comment Share on other sites More sharing options...
guinty1 Posted June 20, 2012 Report Share Posted June 20, 2012 my dog is nearly fourteen and i am currently paying £43 a month for insurance, averaging out over the lifetime of the dog i reckon i have paid over £5000 in premiums,I also have an £80 excess on any treatment. The last two trips to the vet cost just under the excess so no claims there.The next time i buy a dog i will insure it during the first 2-3 years so if there is any problems the insurance will cover it and if there are no underlying problems and the dog is in general good health i will not continue with it and just put the money in the bank for emergencies. Until recently I had another elderly dog which was costing me similar money,so i was paying about eighty pounds a month for both. If insurance suits you good luck, but next time i will give the above a go. Quote Link to comment Share on other sites More sharing options...
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