i would put money away bcus, if you are paying £90 a month for insurance.... youw ould then have £50 excess.
so... for arguments sake, lets sau Beatrix gets ill... it would have to cost at least £150 to make it worth it, that month.
i think you should put the insurance money, away for emergencies. If there was no excess, then maybe, but the fact its another £50 just makes it even more not worth it.
My vets have a V.I.P payment plan, and its really good, im going to start doing it, you put money in every week or month, and its savings FOR vet treatments, so you effectively but 'credit'.