Help u cover keeps going up every year too. Sounds like pets @ home is pretty good
Perhaps a good idea to move before the dreaded 5 years old cut off?
I call PP each year and challenge the premiums. Every time I've called in the past for other pets they've reduced it back down, if not to the previous rate then pretty close. (Depends on if I've claimed or if they have ongoing health problems).
I think my excess is £60 at the moment - not 100% sure but they're only a year old at the moment.