I have been with them two years and about to consider a third year. Dog is 6 years old. Never made a claim. No previous or current claimable conditions. In excellent health. First year reasonable. Last year rose by over £100 but negotiated it down to just the £100 increase. This year quoted over $125.00 increase. £95.00 excess and that will increase by 20% when dog reaches 7 years. Absolutely disgusted so will shop around, but not hopeful.