If anyone is stuck for a Christmas present for the Loved one or her indoors the booking forms for that thing at the end of August will be going out by the end of the week. What a lovely Christmas present then all you have to do is stay together for 8 months.

thanks for that terry
so all i need to do now is get the old nail
out of the garage mot and tax it
spend lots of money on it to get it ready for the the end of aug
drive it down 225 miles do a 3 day run drive it back 225 miles again
have a bad back for two weeks

spend loads of money
roll on aug
hope to see you terry you better start getting ready
you may get 400 this time
have a happy xmas and a very good new year
dave &  angela:xmas8:

$00 you jest I hope 300 is more than enough of you nutcases.

I have just posted 320 Booking forms for that thing at the end of August, well I am trying to clear the dinning room table before Christmas just in case the little ones want to play with the piles of paper work and so we have somewhere to eat the Christmas dinner. I can start to see the table cloth now and by the end of next week Lejog bits will be off. just so I can have a quiet christmas.

Quoted from Terry

just so I can have a quiet christmas.

(rofl) that's wishful thinking if ever i heard it! it'll be brilliant with the little ones though!

Ours came today and has been turned round at lightning speed. We read the rules signed and sent back. Pleased there is a midday post.

Quoted from Bumble

Ours came today and has been turned round at lightning speed. We read the rules signed and sent back. Pleased there is a midday post.

:) :) Same here, it's already back in the post  ;D ;D

I am so pleased that you've invited us back again, we look forward to this so much every year, might even have the cabriolet done in time. (havent I said that for the last 2 years at least?) hahahahaha

Just got in & found our booking form's arrived, glad we've been invited back despite that goddam awful music we were blaring out this year :D

Thanks for the invites - cheque's in the post.

R.  :)

Quoted from richardjackson99

Thanks for the invites - cheque's in the post.

R.  :)

Ditto.

PS what colour tee shirts? hahahahaha

Not had mine yet but will be sending the cheque as soon as I get it

Ours has arrived, will be back shortly...

Mine arrived on Sat -in the post with cheque on Sun  ;D

My cheque is winging its way back to you today

Ger

got mine, pop it by on my way to the vets on thurs - we like the vets!!

Bet Dougie doesn't  :D :D

he does he legs it out the car and runs inside and says hello to all the vets and nurses hes a right little social monkey :)

Well that's good my Jess used to freak out as soon as she saw the cat box and she'd miow all the way there and back ::)

Was going to ask you to post me another form this weekend as I hadnt got mine yet but it arrived this morning? So it's on it's way back with payment.

Brian

Mine 's been waiting for that thing at the end of June, now I can send both, YIPPEE!

(p2_clap)

Quoted from Bertie

got mine, pop it by on my way to the vets on thurs - we like the vets!!

Your bank balance soon won't :D :D

Quoted from Bertie

we like the vets!!

Quoted from Jack Knightmare

Your bank balance soon won't :D :D

Thankfully, from another thread............

Quoted from Bumble

I hope you insured him................

Quoted from Bertie

from day 1 oh yes we did - spent a fortune on him to date just going through the claims now!! Hes been expensive but worth it :)

We were glad (or should that be gald?) that we insured Domino from day 1. He got beaten up by another dog in the park less than 3 months after we got him and the vet's bill came out at around £2000.

who do you use to insure Domino we have a 5 month old jack russell and not sure who to use  ??)

Quoted from tashawick

who do you use to insure Domino we have a 5 month old jack russell and not sure who to use  ??)

Direct Line. They insure all types of Rovers!

We have used them for over 15 years and although not dirt cheap, you can chose the level of cover (go for maximum, think of conditions they might get that could that could be ongoing). More importantly, they pay out when they need to. They have limits they keep to but your vet would have to be charging OTT prices to not meet the criteria. Domino and our cat combined cost us £1 a day between them.

At the age of 4 months, I had JUST insured him and we claimed over £2,000 where his leg was broken in a dog attack and it needed pinning. They also paid £25 a fortnight for over a year for Domino to go "swimming" at Guildford to strengthen his legs.

I have to pay the initial £80 of a claim. Recently he had an anal gland infection which cost £130 to put right. I paid the first £80 but got £50 back and that covered the next 6 weeks insurance so it was worth claiming.

Never under estimate what can go wrong. I use pet insurance more than I do house and car!

Direct line 0845 2468 246

AND get him micro chipped!

Rita and Domino

Direct Line for Snowy, too - what with a misplaced kneecap (£1200), damaged (but thankfully not lost) eye which needs regular checkups (running total £3800), a roll down the stairs (£400) and a persistent allergic reaction which needs persistent medication (running total £600), we've claimed more in vets fees than we're ever going to pay in premiums  ;D

Plus, they're happy for our vets to complete the claim forms if we drop them in. It makes it much easier because the vets know exactly what they've charged and what they can claim for.

They did recently introduce a limit of (IIRC) £60 for blood tests, which was slightly annoying as our typically reasonably priced vets charged £72, but with Snowy's total exceeding £6k @ less than 6 years old, we weren't going to quibble over that £12...

The downside now - and this is the case for any insurance company - is that we can't move from Direct Line as the eye and allergy would not be covered. The excess has recently increased too, as has the premium (30% before haggling - which is always worth doing if you can) but as the excess is per-condition rather than per-claim, we've only had to pay one excess for the eye and one excess or the allergy even though they're ongoing conditions.

Makes me appreciate NHS!

I had Jess insured with Tesco, who paid out the princely sum of £11.66 when I had to have her put to sleep,  After £50 excess, also they do not pay for euthenasia or cremation, also there was the out of hours charge (Sunday evening)  the bill was about £120.  I felt like sending it back and telling them to stick it,  It was an upsetting enough time as it was - that was just insult to injury.  I'll think carefully what to do if I get another pet.

thanks all such a confusing issue over who pays out what and excesses ect.............. dixie is micro chipped already just need to sort ou insurance

when i suss out how to put picture on here will upload one of dixie x

I HATE insurance, it's always weighted against the claimant. And I speak after 36 years working in the financial sector.

Pet insurance, like many, is an annual contract. So if in year 5 you make a claim, then the premium in year 6 will reflect an increased risk - ie. it'll be higher!

For us, year 1 was £17/mth, we made no claim until year 5, by which time it'd increased to £20/mth. Year 8 (now) is nearly £33/mth + a £100 excess and I have to pay 20% of any claim. So, if the dog's medication/vets bill exceed £600, I break even on the premium (still £200 down on the escesses tho)!!


R.  >:(

Quoted from richardjackson99

I HATE insurance, it's always weighted against the claimant. And I speak after 36 years working in the financial sector.

The biggest clue is that the price you pay is called a premium  :D

But that's business - if someone could set up a not-for-profit insurance company, they'd be very popular...

At the end of the day, both sides in the contract are gambling on a possible outcome.

The insurer is gambling that the thing you've insured against will not happen, and the insured is gambling that if the thing they're insured against happens, the premiums will have been less than the cost of that thing they were insured against. So far with Snowy, that has definitely been the case.

The other gamble is that you don't take out insurance and cover everything yourself, but we'd have needed to put away £100/month to cover what Snowy has had out of Direct Line so far, not including the excesses and the bits we've still to claim for. I doubt many people would make that kind of financial commitment to owning a dog, when insurance is available, so it really becomes a necessary evil.

As Siddarz has said it's all a gamble.

Since November 1999 which is when I started keying everything we spend into Microsoft Money we have spent £3097.67 on pet insurance with Direct Line.

That sounds pretty horrific until you take into account the fact that they have paid out £9481.87, giving us a profit of £6384.20.

Which probably says we've been pretty unlucky with our dogs, but at least the cost has been manageable and spread monthly, apart from saving money overall.

None of that includes our first dog who ended up with a monthly medication bill of £250 in the early 1990s so we made a huge profit on that too.

You really pays your money and takes your choice, and always read carefully what is covered. Although there are always going to be policies which are better value than others remember that if a policy is cheaper there is often a good reason.

In particular watch for limits of both time and money that they will cover. Some policies will only cover a condition for 12 months after it first occurs - we got caught once on that one when something recurred a couple of years later and we weren't covered. There are also sometimes limits on how much they will pay out for a condition but that might be a lifetime amount or they might be prepared to pay that each year.

That's not to say that you have to go for the maximum cover but it's important to know what you are covered for.

If you are lucky and your dog isn't ill and doesn't have an accident you might never claim, and there must be people like that to make sure that the companies make a profit. But if you do have insurance at least you have an idea as to what you are going to spend in any one year.

I agree Andrew. I always go for a policy on the basis that I'm only buying insurance in case I need to claim, so I pretty much never go for the cheapest. I do however only have insurance where I couldn't afford to meet a potential cost myself ie. Never an extended warranty etc.

I bought pet insurance that covered a condition for life, what annoys me is the way they change the terms each year - not specifically the increased premium, but the excess being increased by 150% and the "sharing of claims" where I have to stand 20%. When I took out the policy, there was no mention of any prospect of that - although it did say that it was an annual contract and any renewal might not be offered on the same terms. I wonder if it works the same for car insurance? The only other annual contract insurance I buy - because I have to.

You live and learn.



R.

Payday at last, so cheque will be in the post tomorrow, that's is we're still welcome :)

Also just booked accomodation so we can come down for the Dartington show too

Quoted from Jack Knightmare

Payday at last, so cheque will be in the post tomorrow, that's is we're still welcome :)

Also just booked accomodation so we can come down for the Dartington show too

Are you at the Travelodge?

Afraid so

That's good. We look forward to meeting you properly. The dog will give us away.

Quoted from Bumble

That's good. We look forward to meeting you properly. The dog will give us away.

Likewise (apart from the dog bit) :)

Not a dog lover? They don't plot against you like cats. We ask when we book in not to have one of the rooms backing onto the reception patio. Domino barked when they stood outside our window having a fag. The good news is that they insist on giving you a ground floor room so that means no stairs

We had to pay £70 for Dartington saturday night, £20 for the dog and we took £10 option to have room at midday so we could make most of saturday.

We paid £70.00 for the Saturday, we did look at staying at Whiddon Down as it was only £45.00 for the night, & although probably not much further from Dartington, it's in the middleof now where, so decided to pay the extra. Still hope to go alteast part way down on the Friday if we can get somewhere cheap to stay.

As for dogs, I don't mind them generally (not GSD's - but that's a football thing) but prefer cats, the Mrs desperately wants a Jack Russell as she used to have them, but I don't think much of it's chances against the cat :D, as it's already gone for a Golden Retriever a the vets!

This thread got hijacked earlier, to talk about Pet Insurance. If I could just return to pets for a moment, can I just tell you that, as of yesterday we have no need for Pet Insurance - if you get my drift. Gut wrenching decision, but we couldn't let her suffer.

R. :'(
ps. Please, no nice comments, otherwise keyboard will be wet again!

I wont say anything nice Richard but we are facing the same decision with Dougie just a shame hes 7 months old.

Take Care :) :)

Sorry to hear that Sarah. What a sh!t.

Thanks, & all the best to you too.


R.

Quoted from Bertie

I wont say anything nice Richard but we are facing the same decision with Dougie just a shame hes 7 months old.

Take Care :) :)

You MUST get 2nd or 3rd opinions............. We nearly gave up with Heidi but we went to a specialist and got sorted. Vets give up sometimes... That's so sad.

There is tooo much to put on here thats wrong with him, hes stopped eating and is loosing weight quickly, if thats not his way of saying 'i give up' i dont know what else is. We've been through sooo much since having him, he doesnt sleep and im tired and selfishly its not just about Doug now I need to think about my health and sanity.

Having lost Jess so recently I can fully understand how you all are feeling at the moment.

Oh no I know how you both fell we had to make the same choice a few years back with Tess our rescue collie I'm thinking of you both I'm really sorry to hear Doug is poorly.  Getting emotional typing this so see you in a while :B :(