There are a few reasons your premium might have changed — here are the main ones.
Renewal pricing
If your premium has changed at renewal, this is because it's recalculated each year based on the pricing calculation carried out at that time. This can take into account factors such as:
any claims made during the policy year
your pet's age
breed
address
neuter status
for cats, any change in indoor/outdoor access
We don't have a fixed or typical percentage for these changes — it depends on your individual circumstances at renewal.
Your pet turning 9
If your pet has reached 9 years old, a minimum excess of £99 and minimum co-payment of 25% apply from your first renewal after their 9th birthday, if your current excess or co-payment are set below these. This can affect your premium, unless your pet has been insured with us continuously for 3 years or more before that renewal.
Changes you've made to your policy
If you've adjusted your cover limit, excess, co-payment, or added an optional add-on partway through the policy year, this can also affect your premium.
A change in your circumstances
If you've updated details like your address, or your pet's neuter status (or indoor/outdoor access for cats), this can affect your premium too, as these are factors used in pricing.
Still not sure?
If you'd like us to look into your specific premium change, get in touch with our Customer Support team and we'll be happy to check this for you.