Had them for pet insurance and they played silly buggers. Took over a year to get my money from them. Hope things are different for you if you are claiming.
I've had cover with E&L but have never had to make a claim. Their excess rate is about 8% of total loss I think though, which would equate at well over £600 in my case. I decided to go with Photoguard this time as they have no excess or a voluntary £250 overall for a reduction in premium. I got over £8000 of cover for around £230 for a years cover, with travel and unattended vehicle cover included.
Another tick for Aaduki but so far never had to claim.....which is the real tester
Accidental damage cover, also 30 days outside the UK, stolen from house etc
I pay £11.20 for £6000 worth of cover just increased by £7.50p per year from £10 something per month following the purchase of a Nikon 70-200VRII
Dave
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