Purrs In Our Hearts - Cat Forum UK

Cat General => General Cat Chat => Topic started by: wharfevalley catsprotection on March 07, 2008, 11:56:04 AM

Title: Insurance question
Post by: wharfevalley catsprotection on March 07, 2008, 11:56:04 AM

Just a quickie...

I've just taken out Axa insurance to start tomorrow, after hearing about the silly new clauses in M&S insurance. There's usually a 14 day period where you cannot claim, so do I cancel my M&S insurance from 14 days time to cover me?

Does that make sense?!

Title: Re: Insurance question
Post by: Kittybabe (Ruth) on March 07, 2008, 12:00:59 PM

I'm pretty sure there's a clause that your cat cannot be covered by any other insurance policy at the same time? That might break the terms of both. Have a look at the fine print.

Title: Re: Insurance question
Post by: Mark on March 07, 2008, 12:04:25 PM

I would say is Axa aren't covering you for the 1st 14 days, then you only have one set of cover at the time. I would phone Axa and verify to be safe.

Title: Re: Insurance question
Post by: wharfevalley catsprotection on March 07, 2008, 12:07:05 PM

Thanks! I thought that that would be the case. I'll just have to make sure she doesn't get into any scrapes in the next two weeks!

Title: Re: Insurance question
Post by: Millys Mum on March 07, 2008, 14:31:58 PM

I remember reading in the blurb that if you have insurance with another company they would only cover their share. Implying you could have more than one policy  :shify:
As you can cancel in the 14days i would get my m&s cover to stop once the new covers exclusion period is over  :sneaky:

Title: Re: Insurance question
Post by: Tiggy's Mum on March 08, 2008, 00:05:28 AM

That's exactly my interpretation of the T&C's MM, I'm going to start the boys' policy with Axa 2 weeks before the M&S policy is due to run out so they'll be covered no matter what.

Title: Re: Insurance question
Post by: Gill (sneakiefeline) on March 08, 2008, 00:58:08 AM

I arranged for my M&S policy to end 14 days after the AXA started, because althought you have a policy with AXA they are not actually covering you for that period so do not have effective cover.

All AXA are trying to do is make sure that you are not taking out insurance for a seriously ill cat that needs immediate medical treatment that is very expensive.

Title: Re: Insurance question
Post by: wharfevalley catsprotection on March 08, 2008, 11:51:20 AM

Oh poo! I did cancel my M&S insurance as I wasn't sure and didn't want to get into any trouble!

Oh well, Katie doesn't go out too much so fingers crossed. I'll just wait two weeks until I can do her boosters and have a check up x

Title: Re: Insurance question
Post by: Millys Mum on March 08, 2008, 19:58:23 PM

Maybe we are just more inclined to have fraudulent thoughts  :rofl:
They still cover for accident tho   ;D