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It may only cost a tenner a month, but few of us actually like to pay for pet insurance, in fact of the 13 million dogs in the UK, only 12% of their owners have insurance for them. But, 40% of the cost of owning a dog goes on unforeseen vet''s bills. Here we offer a little help in lowering your pet insurance premium so you and your pet can breathe easy. Buy online Nine times out of ten it is cheaper to buy insurance online, any insurance. This is because insurance pay lower overheads for each online purchase. They don''t have to pay for a building for call centre operatives to sit in and they don''t have to pay their wages. This means these savings can be passed ? in a reduced form at least ? over to you the consumer. So you can expect to pay 10-15% less. Co-operative Insurance for example offers a 15% discount if you get your pet insurance quote online. Pay annually Although many of us prefer paying in small instalments, rather than one large payment every year, when it comes to pet insurance you will pay more for the privilege. In fact, you could pay up to 10% extra, as built-in interest, on top of your pet insurance premium. Up the excess By increasing the amount you pay towards a claim you are sharing the risk with your insurer, therefore you will pay less in terms of premiums. As long as your pet is healthy, this is a great way to significantly reduce your insurance costs. Stay healthy Seeing as insurance is all about risk, if you reduce the risk of visiting the vet''s you insurer will offer you a lower premium. So keep your pet healthy. Not only will you have a happier, healthier pet, your insurance premiums will be lower and you won''t have to pay any excess towards operations because your pet won''t need any operations. Don''t overlook the benefits of immunisations Several hundreds Pounds doesn''t seem like a saving, but in the long run, getting your pet immunised against disease and illness will save you money. Your dog will be healthier and less prone to disease and illness. If you inform your insurer of your pet''s immunisations, you are likely to get a better deal as once again, risk to the insurer is reduced.
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Georgetta Siluis is a freelance writer and insurance industry expert. Get a pet insurance quote from the Co-operative Insurance.
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