I have been recommending Bought By Many to everyone with pets for the last three years that my dog has been insured with them. Each year, the premium has risen by a few pounds, but this year it has increased by 28% (with just one minor claim that didn't even use up the excess) to £43 per month! I complained and BBM has brushed me off and referred me to the Ombudsman. I was told that premiums are not linked to individual dogs, but to the area where I live and vet costs in those areas. My son, who I recommended BBM to, lives in the same area as me and has had his dog's policy premium reduced by £8 pm! How sad, yet fairly typical, for what seemed to be a great company to turn into something less desirable and very greedy. I am so disappointed. Here ends my recommendations for this company.