We have two labs on the policy for their 'multidog' discount, one had been on for a year and we had to unfortunately claim for her but the pup was on for just 2 months prior to renewal. For our eldest the premium went up by £105 per annum, presumably because we claimed (relatively painless process but took 4-5 months), but they also put up the pups by £20 per annum (after only two months - mental). As we've got lifetime I won't be moving the eldest as it isn't an ailment that will go away and we're kinda stuck now but we won't be renewing for the pup. I can get it £100 cheaper elsewhere, including M&S who are offering cheaper on their own website.