How pet insurance works
The 4 types of pet insurance, what's covered, what's excluded, and how the claims process works. With typical excess amounts and co-pay explained.
Insurance guides
Plain-English explanations of how insurance works in the UK. Real data, specific examples, no waffle.
Cheapest and most expensive breeds to insure
Top 10 cheapest and top 10 most expensive dog breeds for insurance, with monthly costs. Why flat-faced breeds cost double, and how to reduce premiums.
Does pet insurance go up with age?
How premiums increase year by year, the age 8 co-pay cliff, and what to do when costs become unmanageable. With typical costs from age 1 to age 12.
Pet insurance excess explained
Fixed excess vs percentage co-pay, how they stack together, voluntary vs compulsory excess, and a worked example showing exactly what you'd pay on a £2,000 vet bill.
EV insurance in the UK: 2026 guide
Why electric cars cost 10-15% more to insure, which EVs are cheapest, how the gap is closing, and practical tips to reduce your premium.
About our guides
Every guide on this site uses data from the Association of British Insurers (ABI), Defaqto ratings, and published insurer pricing. We don't accept sponsored content or affiliate payments that could influence what we recommend. The goal is simple: give you the information you need to make a decent decision about insurance without wading through 40 pages of policy documents.
We update these guides quarterly when new ABI market data is released. If you spot something that looks out of date or incorrect, drop us a message via the contact page and we'll fix it.
Looking for a quick estimate? Try our pet insurance calculator or EV vs petrol comparison tool.