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 Post subject: Crossbreed rating
PostPosted: 26 Jun 2013, 18:48 
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Joined: 14 Jun 2012, 22:56
Posts: 460
Location: Wirral
Poppy is insured with John Lewis and we have recently renewed her policy. I noticed that they had her date of birth slightly wrong so emailed them to amend it. They have replied saying that she is down as a 'crossbreed unknown' and is therefore not being rated for her breed. They want to know what cross she is and which is most dominant. :?

I'm concerned that if I provide them with this information my premiums may rocket! I understood that a cross breed is cheaper to insure and am wondering if they have decided to up the premiums for the so called 'designer dogs'? :shock:

Does anyone have any experience in this? What are your doodles insured as? :)

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 Post subject: Re: Crossbreed rating
PostPosted: 26 Jun 2013, 19:05 
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Joined: 25 Jan 2013, 01:56
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Roxy's insured as a Labradoodle with Virgin, although they spell it labrodoodle :D. Costs about £12 a month, I think.

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 Post subject: Re: Crossbreed rating
PostPosted: 26 Jun 2013, 19:37 
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Joined: 20 Feb 2012, 12:45
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Why not try to get new insurance online twice - 1 cross breed and one doodle?

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 Post subject: Re: Crossbreed rating
PostPosted: 26 Jun 2013, 19:58 
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Joined: 19 Mar 2013, 16:08
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Location: Wirral
We're with John Lewis and Roma is down as a Labradoodle, our premium is £13 a month. Can you just say she's a labrador cross?

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 Post subject: Re: Crossbreed rating
PostPosted: 26 Jun 2013, 20:06 
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Joined: 31 Oct 2012, 02:55
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Poppy is with petplan its £22 a month shes coverd for everything the main reason i chose petplan is that the vet claims from them so we dont have to pay anything up front should god forbid anything expensive happens and shes classed as a labradoodle on policy xxx xxx

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 Post subject: Re: Crossbreed rating
PostPosted: 26 Jun 2013, 20:11 
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Joined: 24 Aug 2010, 18:16
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Location: Reading, Berkshire
Stout is also with John Lewis as a labradoodle. Not sure how much his premium is, his insurance stuff is packed for moving, fingers crossed we dont need it for a couple of weeks!

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 Post subject: Re: Crossbreed rating
PostPosted: 26 Jun 2013, 21:21 
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Joined: 03 Nov 2006, 20:30
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Location: South Dorset
Mine are insured with Petplan - they are down as crossbreeds becuase theire rep told me it would be cheaper that way. I put poodle down as the main breed, because Poppy is more poodley and the others are 50/50 so it sways statistically towards the poodle :lol: , plus I think poodles may be considered healthier than labs :|

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 Post subject: Re: Crossbreed rating
PostPosted: 26 Jun 2013, 21:21 
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Joined: 11 Jan 2012, 20:22
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Location: Swindon.
Tried to insure Oscar on line, when I tried to enter labradonkey, an error occurred. :lol: :lol:

Oscar & hoomans.

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 Post subject: Re: Crossbreed rating
PostPosted: 26 Jun 2013, 21:33 
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Joined: 31 Oct 2012, 02:55
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Bid im thinking i should of classed her a poodle but i never got the option.. Never mind £22 a month is a small price to pay for her health xxx

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 Post subject: Re: Crossbreed rating
PostPosted: 26 Jun 2013, 23:20 
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Joined: 10 Sep 2010, 18:36
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My concern with stating crossbred when there is a doodle option is the Insurers (lovely lot that they are :roll: ) may say you have negated the insurance by not stating correctly. Just thinking how insurers don't like to pay out :?


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 Post subject: Re: Crossbreed rating
PostPosted: 27 Jun 2013, 09:53 
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Joined: 28 Jun 2009, 20:40
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I am with John Lewis too and a similar thing happened to me at last years renewal. When I first took the policy out, labradoodle wasn't an option, so he was a crossbreed. Mid term, John Lewis changed underwriters.

I checked premium on line when I received my renewal to see how it compared to a first premium (I have noticed first premiums tend to be lower to get you and then they hike renewals up, M&S did this more than 50% over 2 years!! no claims either) and discovered that they now listed labradoodle as an option. I phoned them as I was concerned , like Pollydoodle, that it may affect any future claim if he wasn't described correctly and my premium actually came down (probably because they know what they are dealing with, unlike a "crossbreed- unknown"


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 Post subject: Re: Crossbreed rating
PostPosted: 27 Jun 2013, 10:16 
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Joined: 30 Dec 2012, 13:50
Posts: 3307
Location: Waltham Abbey
I was getting quotes and John Lewis didnt have labradoodle? Also it stated each year and that if anything bad happened she would be able to claim for a while. Not sure I understand

I am with pet plan and just checked my policy and she is down as a labradoodole abd a life time insurance - although it is a lot of money

I do need to find quotes but am looking for a like for like one

It is a minefield!!!!!

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 Post subject: Re: Crossbreed rating
PostPosted: 27 Jun 2013, 10:21 
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Joined: 14 Jun 2012, 22:56
Posts: 460
Location: Wirral
Thanks for all the replies. When I took out the policy last year there wasn't an option for a labradoodle so she went down as a crossbreed. As someone has already said they have changed underwriters and can now put in what cross they are.

I'm going to let them know as I don't want them wriggling out of any claim I may have in the future. :D

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 Post subject: Re: Crossbreed rating
PostPosted: 27 Jun 2013, 12:07 
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Joined: 14 Jun 2012, 22:56
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Location: Wirral
It saved me a grand total of £9.72 a year by giving them her correct breed! Still, definitely better in my pocket than theirs! :lol:

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 Post subject: Re: Crossbreed rating
PostPosted: 27 Jun 2013, 20:29 
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Joined: 29 Mar 2012, 15:15
Posts: 885
Location: Dorset
Lexie is down as labradoodle as the vet has that down for her and said it should be changed as the insrance would be invailed and its the same for pet plan for labradoodle and cross bred £22.99 a month

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