Lets not get a good story get in the way of the facts. Cat: Burmese Male Name: Gatsby Age:Under 1 years old as provided by documentation. Cost £700.00 - Gatsby was a gift given by brother in law during his stay with us- proof of receipt declined by Animal Friends Pet Insurance. Cause of death: Assumed Hit by a vehicle. Body recovered and verified chip by vet. Claim submitted: Within specified time according to their terms and conditions. Reason Animal friends are refusing to pay: Gatsby was a gift and therefore has no value. Animal Friends insurance clause exactly as quoted by Animal Friends in their refusal to pay letter: "Section 2: Death OF Dog Or Cat From Accident Or Illness; 2.1 Cover We will pay a percentage of the market value, the price paid or the amount specified in your schedule (whichever is the lesser) if your pet dies during the policy year or is put down for humane reasons because of injury or illness that happened or started during the policy period taking into account age, breed and condition of your pet and as further detailed below:- Up to 1 year 100%" Please check out Section 2 but quoted further within terms is a declining scale due to age only. Refusal to pay quote within letter from Animal Friends Pet Insurance: "Regrettably, in view of the documentation provided in support of your claim, we consider the claimable amount to be £0 and therefore no payment is due." Phone conversation regarding the case: Since Gatsby was a gift in lieu of possible rent charged, it appears we have have suffered no financial loss in the eyes of Animal Friends Pet insurance. My View: If I were given a car as gift or even as a replacement for rent and insured said car was written off I would expect that the insurance company would pay out. If my house were a gift and I insured it and it happened to burn down then I would expect that my payment in advance to the insurance company would cover my loss. Further if I had received an object or a living creature (lets call it a donkey) and it had been vandalised or stolen, would the police be concerned that either I had paid for it or it had been donated as a gift? Whether I have worked hours and paid for the car or house or pet, or inherited or been given the same is irrelevant- if it is no longer there and available then I have suffered loss since it will cost to replace the loss. Effectively I am placing a bet- as here, I am betting our pet will die - the insurance company are betting it will not. If I take out life insurance then I am betting that I will die- if I take out a house insurance policy then I am betting my house will be destroyed but all will be OK since "I'm covered" and actually without hassle- why else would I pay for this policy? Regardless of the payment method, I have suffered loss and we won't go into emotional since it isn't covered in the policy- lets stick to the facts. So lets go back to section 2 as quoted by Animal Friends pet Insurance. "We will pay a percentage of the market value, the price paid or the amount specified in your schedule (whichever is the lesser)" Specifically lets discuss the term " the price paid" - do you see here the specific phrase as per terms and conditions "the price paid by you as undersigned"? No and neither do I. Gatsby dude I buried you myself in our garden in a pillowcase from my 9 year old son whose bed you slept in and woke with him every morning. Found you on the side of the road with blood on your shoulder drenched in rain with your fur matted- will miss you sitting on my shoulder like a pirate parrot curious about everything. Man I loved everything about you. Yes I'm angry but when it came to fulfilling a bet- Animal Friends Pet Insurance have massively let me down and added to the stress- I haven't finished with them yet. Buts lets deal with the facts T's & C's hope I covered them all and thats why this is going further.