I had to share the following :- I have recieved my insurance renewal for one of my cats. He is a domestic shorthair who unfortunately as had treatment for 3 injuries in his life including a serious break and disclocation in his leg over two years ago.Insurance renewal has gone up by 60%! but thos year not the year after the big claim
I enquired as to why now? came the reply number of accidents, inflation ? ? and wait for it he is older than he was last year !! well yes then so am I , Bentley is 4 !
How come my pedigree 9 year old burmese who has had 2 accidents in her life is one third the cost then ??

As you can guess the insurance company have the upper hand but in the name of good customer relations have offered me a discount of £2.00 
oh gosh do the have us which ever way we turn :)
 

Yes they do,its awful.If my credit card wasnt maxed out,I would consider saving what i basically"throw away"on insurance,and putting any excess on the card.Mine goes up every year and Ive never claimed since I took it out.