Tom Hark Preston Park
Will Post For Cash
- Jul 6, 2003
- 72,331
Ah, right, apologies, my mistake, got him mixed up with @looney
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[Help] Ernest's pussy
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Tom Hark Preston Park
Will Post For Cash
- Jul 6, 2003
- 72,331
So it wasn't there a month ago then?
Thunder Bolt
Silly old bat
The link explains it started when the kitten's adult teeth started coming through?
Tom Hark Preston Park
Will Post For Cash
- Jul 6, 2003
- 72,331
Sounds like the insurance company trying to squirm it's way out of paying up then. Hopefully, when kitten is sorted, ENREST will challenge their decision, via an ombudsman if need be, with a view to being reimbursed for any vets bills incurred
Thunder Bolt
Silly old bat
As per usual. I don't think pet insurance is worth the paper it's written on (yes, I know it's digital) but dental problems are always exempt.
Have LOBBED in some MULLAH. Rochdale is a top chap IRL.
To clear up a couple of bits of mis-information on this thread. Firstly, ENREST is not banned and is welcome back any time. He chose to leave.
Secondly, it's not true to say dental problems are always exempt. Like any insurance policy you need to check the coverages you are buying when you accept the quote and then double check the policy document - you will have a standard 30 days to cancel if you don't agree.
I'm happy to say I have pet insurance, but I have it with a business unit I helped to launch and I knew their products inside out. I'm covered for £5000 worth of 'vet bills' and the only exclusions are:
Previous, existing ongoing and recurring medical conditions and symptoms,
Injuries, illness, or diseases that occur prior to the start date,
Paying for any routine treatment normally recommended by your vet,
Any Costs due to breeding, pregnancy or giving birth.
I suspect they have got TR under a similar clause to the first one in my policy. From the limited information on the Go Fund Me he should be raising a formal complaint which they will have to notify the FCA of. Citizens Advice can help with this for free.
https://www.citizensadvice.org.uk/consumer/insurance/problems-with-insurance-policies/your-insurer-refuses-your-claim/#:~:text=If you think your insurer,complaint using their complaints process.
None of that means insurance is 'worthless'. Pet underwriters look at claims experience by type of animal, age and breed among other things to price with the expectation you will probably claim. I claimed last year for a grass seed removal for my cockapoo. It was paid in full and the renewal premium was still decent value. (And there's the thing - value. It's often better to pay a higher premium for better cover. The premium cost race to the bottom means the cheapest insurance covers far less. As Ernest is disabled I suspect he took the cheapest premium which is why I'm happy to lob in and hopefully see NSC add to the pot.)
If you have a dog then I would definitely have insurance for the third party liability cover which is typically in the millions. If you go out and Fido is off the lead and eats another dog / attacks a human / causes a fall or RTA you can be liable for any claim in court and possibly lose your house. That's what the liability cover is for.
To clear up a couple of bits of mis-information on this thread. Firstly, ENREST is not banned and is welcome back any time. He chose to leave.
Secondly, it's not true to say dental problems are always exempt. Like any insurance policy you need to check the coverages you are buying when you accept the quote and then double check the policy document - you will have a standard 30 days to cancel if you don't agree.
I'm happy to say I have pet insurance, but I have it with a business unit I helped to launch and I knew their products inside out. I'm covered for £5000 worth of 'vet bills' and the only exclusions are:
Previous, existing ongoing and recurring medical conditions and symptoms,
Injuries, illness, or diseases that occur prior to the start date,
Paying for any routine treatment normally recommended by your vet,
Any Costs due to breeding, pregnancy or giving birth.
I suspect they have got TR under a similar clause to the first one in my policy. From the limited information on the Go Fund Me he should be raising a formal complaint which they will have to notify the FCA of. Citizens Advice can help with this for free.
https://www.citizensadvice.org.uk/consumer/insurance/problems-with-insurance-policies/your-insurer-refuses-your-claim/#:~:text=If you think your insurer,complaint using their complaints process.
None of that means insurance is 'worthless'. Pet underwriters look at claims experience by type of animal, age and breed among other things to price with the expectation you will probably claim. I claimed last year for a grass seed removal for my cockapoo. It was paid in full and the renewal premium was still decent value. (And there's the thing - value. It's often better to pay a higher premium for better cover. The premium cost race to the bottom means the cheapest insurance covers far less. As Ernest is disabled I suspect he took the cheapest premium which is why I'm happy to lob in and hopefully see NSC add to the pot.)
If you have a dog then I would definitely have insurance for the third party liability cover which is typically in the millions. If you go out and Fido is off the lead and eats another dog / attacks a human / causes a fall or RTA you can be liable for any claim in court and possibly lose your house. That's what the liability cover is for.
Greg Bobkin
Silver Seagull
- May 22, 2012
- 16,044
We KNEAD a POLE to get ENREST back posting on the BORED. He is MIST.
Are YEW out or INN?
Are YEW out or INN?
I have that covered with my membership of the Dogs' Trust.
I'm also in the 'waste of money' camp. When we had our first dog back in 2000 we insured him, and then got stung for excess and 'not covered'. After the first year we cancelled the insurance and instead we paid the premiums each month into a ring-fenced savings account, increasing it as we got more pets.
Over the years we've covered all out animals medical expenses out of that account - and paid for stuff like kennel fees. Currently it's definitely working in our favour as we've got just over £13,000 in there.
That's definitely one way of doing it with older animals. The premiums get higher, the excesses more and you'll have built up considerable savings.
On the flip side, last year I got a £450 claim paid (minus £99 excess) having only paid about £120 in premium.
EDIT - ignore, covered by Dogs Trust
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Done. Enrest used to get me the odd snide ticket on the rail back in the day, which was very gratefully received. All the best to Terry.
Yeah, it worked for us. The catch is of course you don't want to be stung with any bills whilst you're building up the fund. We were lucky that our dog was young and healthy and we'd built up enough so that when he did get old and sick we could cover it.
A few years ago we were boasting smugly about this to some of our friends who'd been having the usual trouble with their insurance not covering the required treatment (it was for a cat). They decided to copy us, cancelled their insurance and started saving. However only a few months later, when their fund was barely a few hundred quid, the cat got sick and the vet bill came to £1200! Whoops! I told myself their insurance wouldn't have covered it anyway ...
Ernest
Stupid IDIOT
I have to say I haven't been this OVERCOME since I had it OFF with BIG Hilda in the alleyway besides the CLIFTONVILLE (RIP) a few years ago.
I just want to thank EVERYONE who has contributed to my fund and nice that I haven't BEAN forgotten especially by all the HATERS on here.
I wasn't banned by BOZZO or anyone I just took a BRAKE when COVID came and it just became an extended one. I took the time to write a couple of books (both best sellers on Amazon and available there) and things just passed me by.
It's been a rough last couple of years with having to give up my season ticket as not being well enough to go and my mum being diagnosed with dementia but the GENEROSITY of people has put a SIMILE on my face.
Love from
ENREST & Terry (He even has his own Albion scarf and don't call him a JCL)
I just want to thank EVERYONE who has contributed to my fund and nice that I haven't BEAN forgotten especially by all the HATERS on here.
I wasn't banned by BOZZO or anyone I just took a BRAKE when COVID came and it just became an extended one. I took the time to write a couple of books (both best sellers on Amazon and available there) and things just passed me by.
It's been a rough last couple of years with having to give up my season ticket as not being well enough to go and my mum being diagnosed with dementia but the GENEROSITY of people has put a SIMILE on my face.
Love from
ENREST & Terry (He even has his own Albion scarf and don't call him a JCL)
portslade seagull
Well-known member
Used to hang round with Rochdale and Sauly and the brothers back in the Goldstone days.
Thunder Bolt
Silly old bat
Welcome back and I hope Terry's treatment goes well.
Donation headed in Terry's direction from me.
It there is enough left over for a puncture repair kit for the TRIKE, then ever better.
Good to see you back on here UNREST
Happy to contribute. Ernest always made me smile. I miss his postings.
Cowfold Seagull
Fan of the 17 bus
I think all of us who were around during Enrests glory years miss him. Second only to the great BG when it comes to NSC characters in my book.
Cowfold Seagull
Fan of the 17 bus
Seconded.
Seagull58
In the Algarve
Details of the books please?
Ernest! Lovely to hear from YOU, and not a moment too SOON! We NEED your ARS more than EVER!
As you NO the clubs is in DIRE STRAITS at the moment. We thought going to GILLINGHAM was bad enough, but NOW they're making us play GAMES in EUROPE!