That's definitely one way of doing it with older animals. The premiums get higher, the excesses more and you'll have built up considerable savings.
On the flip side, last year I got a £450 claim paid (minus £99 excess) having only paid about £120 in premium.
EDIT - ignore, covered by Dogs Trust
Have LOBBED in some MULLAH. Rochdale is a top chap IRL.
To clear up a couple of bits of mis-information on this thread. Firstly, ENREST is not banned and is welcome back any time. He chose to leave.
Secondly, it's not true to say dental problems are always exempt. Like any insurance policy you...