insured my bulldog with more than when she was a few months old and was very happy.. year later a letter arrived for a new policy and it's gone up quite a bit considering I've never had to claim. I phoned to notify them she has been spayed since the last policy but they said it makes no difference to the price. I enquired why it's gone up so much their excuse was she's a year older (she's only 1). I decided to stay with them this year hoping that being a loyal customer it won't go up by much next year and they'll take into consideration she is spayed now. will be shopping around before the next renewal incase though.