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Having worked in insurance I understand what you say, but that sector doesn’t have a great record in providing good value for money products and I feel this is one of them………and don’t get me started on motor insurance where the excessive charging by repairers drives up the cost of insurance...

Glad to see this is being investigated by CMA. Hopefully the insurers will be investigated too: obviously there’s increased likelihood of claims as pets get older, but the double whammy of significant increase in premiums each year AND increased excess is appalling. They will of course blame...