22% hike in premiums on 3 yr old healthy dog


Just received our renewal notice for our PMD. She is three years old with no claims. The premium has gone up 22%, which I struggle to justify.
I spoke to M&S who started to explain to me how insurance works, I cut them off mid-sentence and said that no claims means a discount in other areas of insurance and that, like so many companies, M&S spends more on discounting for new clients than on retaining existing!


Pyrenean Mountain Dog (Great Pyrenees)


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