Premium amounts seem to be plucked from the air as in " the right price is that which the customer is prepared to pay". My dog's premium went from £257 to £354 on renewal despite never having a claim. On line search for cover resulted in a premium of £192 for the same cover with.......yes Tesco Bank. Conclusion, there is no effort to maintain customer loyalty and just out to grab as many bucks as possible by fleecing gullible punters on renewal.