At first renewal price had increased by exactly 100% despite no claims having been made and additional excess of 20% of vet fees to be paid by me. I phoned to query this and was told that I got a 20% discount for first year and that the animal was now over 8 years old and vet fees have gone up astronomically. When I queried that it was odd that the increase was exactly 100% they offered me a discount of around 20%. Strange how they could do that yet not offer it to me with the renewal notice. I suspect they were hoping I wouldn't notice. Very dubious business practice and getting far too common amongst insurance companies. Found much better quotes online. Will not use them again... I think that the office of fair trading should investigate them along with insurance companies behaving in a similar manner.