Assign modules on offcanvas module position to make them visible in the sidebar.

How much it will cost

How much will I pay in a year?

 

The minimum amount you'll pay is your YouDoPet annual membership fee. The membership fee ranges from £15 - £50 depending on the type of cover you choose. If there are no claims by pet owners in your group, you won't have to pay anything other than the annual membership fee.

The "Get A Quote" page shows how much you'd be likely to pay in a year, which we estimate will be about 70% of your current premium (including IPT). Once you've joined, you can track your savings on your dashboard.

The Petfair Price Promise caps each member's share of other members’ claims, so you'll always know the most you might have to pay. You will never pay more than your latest insurance premium for similar cover. If you have never bought insurance before, then you will never pay more than an insurer would charge for similar cover.

You seem certain I will save money, but if I don't know the total, how can you be sure I will be better off at the end of the year?

 

YouDoPet enables members to share risks and we keep running costs low. This means that all members are likely to save.  We estimate a typical member’s savings could be about 30% of their current premium.

If there are more claims than expected, the Petfair Price Promise caps the amount any member has to pay, so you know you will never pay more than the cost of insurance for similar cover.

You say it will be cheaper but surely my current insurer will just cut their premiums to match yours?

 

An insurance company will often have high overheads so we believe they would not be able to keep costs as low as YouDoPet on an ongoing basis.  Although they may offer you an introductory discount to win your business, they are very unlikely to be able to maintain this discount beyond the first year.

YouDoPet is different because it is a Community Interest Company. It's been created to benefit the members, pet owners like you, not shareholders for profit.

Are you on price comparison sites?

 

No, because you won’t pay an insurance premium, so there's nothing to compare. YouDoPet isn’t an insurance company and doesn’t work like an insurance company, so it would be an unfair comparison.  So, make sure you tell everyone about YouDoPet!

I don't understand how to calculate a total cost for the year, but I need to budget my expenses, where can I see the total I have to pay?

 

Use the "Get A Quote" page to see how much you are likely to save when you switch to YouDo. Once you've joined YouDoPet, you don't have to pay anything extra unless there is a claim in your group. If there is a claim for a pet similar to yours, a payment will be debited from your bank or credit card account but we will always tell you before the payment is taken.

Remember that the Petfair Price Promise caps the amount any member has to pay, so you know you will never pay more than the cost of insurance for similar cover.

As a YouDoPet member, you can track your savings and any payments on your YouDo dashboard.

Will I get a No Claims Discount?

 

YouDoPet doesn't have a NoClaims Discount (NCD). With an insurance policy, there is premium which has to be paid, and if the customer has no claims, sometimes the insurance company can apply a NCD to reduce future premiums. What YouDoPet does is quite different - you pay a Membership Fee, which is much lower than an insurance premium, and if there are no claims in your group you won’t pay anything more.

Can you take any amount out of my bank account at any time? What if it comes before payday and I go overdrawn?

 

When you become a YouDoPet member you promise to pay your share of other members’ claims. You may have to pay your share at any time. We will tell you before we take a payment from your account, but you need to make sure that there is enough money in the account. We will make every effort to ensure that your monthly payments are similar. You may feel that the best way to plan for these payments is to keep enough money in your account to cover your maximum annual payment.

How YouDoPet works

What makes YouDoPet different?

 

YouDoPet is different because it's a Community Interest Company (CIC). That means it's been set up for the benefit of its members, fellow pet owners like you. And we believe that makes it better, by making it better value for money.

YouDoPet provides cover for you and your pet by automatically sharing costs, such as vets' bills, among community members. After paying the annual membership fee, you can expect agreed claims to be settled quickly. If there's a claim in your group, the cost will be shared between all the members in the group, so each person pays a small amount, typically £10 to £30 per claim depending on their level of cover.

YouDoPet - What you get:

  • Low annual membership fee
  • Choose your level of cover
  • Nothing extra to pay if no claims in your group
  • Pay as you go
  • Easy track dashboard, showing payments and claims at a glance
  • Petfair Price Promise, annual cap on total payments

Your pet will be in a group with similar pets, with similar types of cover, so that way it's fairer for all us owners.

 

The idea seems great, what's the catch?

 

There's no catch, in fact it's completely transparent. Each member has their own dashboard, so you can always see how much you are saving compared to your previous cover, as well as see what's happening in your group, and track any claims or payments.

What's in it for me? Why should I risk trying something so new?

 

People sharing risk isn't new, it's been happening for thousands of years and is how insurance started. What is new is the YouDo platform which makes community risk sharing possible and easily accessible.

As to why we think YouDoPet is a good thing, we estimate that you should save about 30% of the costs for pet cover. There's no hidden risk as every member's maximum pay out is capped, so you know you'll never pay more than insurance for similar cover. YouDoPet is a Community Interest Company (CIC), and there's also the satisfaction of knowing that you are covering, and being covered by, other pet owners with no big administration costs.

  • Community cover
  • Low administration costs
  • Save about 30%, year in, year out
  • Petfair Price Promise payment cap - only pleasant surprises

What will it cost on a monthly basis?

 

If you have previously purchased insurance for your pet, you can budget by simply dividing your latest annual insurance premium by 12, giving you your estimated maximum monthly payment. If you have never purchased insurance, we will agree a figure with you that will represent the equivalent to an insurance premium. This will be the most you can pay out per year, and you can budget by simply dividing this figure by 12, giving you your estimated maximum monthly payment.

Who is behind YouDoPet?

 

YouDoPet was founded by a small group of pet owners who realised that there was an alternative to the standard model of pet insurance. If you'd like to know more about us and our pets, click here https://www.youdopet.com/our-story

Who regulates YouDoPet? Is it the FCA?

 

YouDoPet is a Community Interest Company which means we adhere to statutory requirements, including The Community Interest Company Regulations 2005, and we are regulated by the Regulator of Community Interest Companies.  We always aim to meet or better FCA standards and treat all our members fairly, but because our cover is not insurance, YouDoPet does not have to be authorised or regulated by the Financial Conduct Authority.

Where is YouDoPet registered?

 

YOUDO LTD is a company registered in the UK.

Our company registration number is 09123209, and we were incorporated on 09/07/2014.

Our Registered Office address is: 47 Wigley Bush Lane, South Weald, Brentwood, Essex CM14 5QP.

I've never heard of YouDoPet, how can I trust you with my money?

 

We never keep hold of any of your money, apart from your annual membership fee. You only pay additional sums if there are claims in your membership group. If there's a claim in your group, the cost is divided between the other members of the group, and as soon as the payment is received by us, it goes straight to your fellow group member, or their vet.

It seems like a good idea, but when will there be enough people signed up for me to trust the whole thing?

 

You're right, it is a good idea! We believe that becoming a YouDoPet member could be a great way to save money and care for your pet at the same time, as well as knowing that you are looking after other people and pets in your community, and around the country, who are similar to you.

We know that, as with any new initiative, it may take people a while to join, so we have financial arrangements in place which mean that if you sign up on day one and make a claim early on, you're covered from day one.

 

 

 

What is a Community Interest Company?

 

A Community Interest Company, or CIC, exists to benefit a community, which in the case of YouDoPet is pet owners who join YouDoPet. All the assets of a CIC have to be kept in the CIC or used for the benefit of its community. A CIC can have shareholders but there are strict limits on how much can be paid to shareholders.

https://en.wikipedia.org/wiki/Community_interest_company

YouDo doesn't take any commission, there are no hidden costs and we don't have high overheads. So you get good value and transparency.

Because YouDoPet is a CIC, the community's interests are at its heart, meaning all members benefit from these principles:

•    Your cover is good value and easy to understand

•    Agreed claims will be dealt with fairly and quickly

•    Any money you pay out goes to the right person, at the right time

•    You and your pet will always benefit from the protection and reassurance YouDoPet provides, for as long as you choose to be a YouDoPet member.

Am I covered by YouDoPet? Or by the members in my group?

 

YouDoPet isn’t an insurance company and we don’t provide the cover. You are covered by your fellow YouDoPet members. YouDo provides the platform which groups you together with people similar to you, and guarantees that the total costs will not exceed your insurance premium for similar cover.

How is the potential total cost calculated?

 

The likely savings are calculated over a year and are based on two things:

  • what you would pay for similar cover elsewhere
  • what you are likely to pay for other members' claims

A bit more about how we calculate each of these:

  • Our estimate of the cost of similar cover elsewhere will be based on the policy you had just before you joined us. If you don’t have a policy, we use an average of what insurers would be likely to charge for a pet like yours. This average is based upon insurers' published data.
  • We estimate likely payments by looking at the chances of owners of pets similar to yours needing to make claims. This makes it fair, if you have a strong street cat, you won't be paying out to someone who has a pedigree pooch, and your dashboard means you can always track what claims you are contributing to.

It's important to remember that the most you may have to pay is capped, so you know you'll always know the most you might have to pay. You should save about 30%, and maybe more.

How do I make a Claim?

 

If you need to make a claim, please telephone us on 020 7148 3322. Alternatively, send us an email at

If you report a claim via the telephone, please have as many details as possible about the claim to hand. If you don't have all the details, we may email you a claim form to complete.

If you report a claim via email, please tell us what the claim is for so that we can email you the correct claim form.

When you contact us, we will ask you for some details of your claim. If necessary, we will then contact your vet. We will then investigate your claim, and we may ask you to provide some documentation such as receipts.

If your claim is agreed, we will collect the moneys from a group of YouDoPet members, then send payment to the bank account that you used to join YouDoPet.

There is a £100 excess per claim.

 

 

What if I have been previously refused insurance?

 

If you have been previously refused insurance, or your insurance was non-renewed, then you will not be able to join at this time. This may change in the near future.

Can Anyone Join?

 

To be eligible to become a member you must be the owner and keeper of your pet and live for at least 9 months of the year in the United Kingdom, Channel Islands or the Isle of Man

You must be aged over 18.

If you have been previously refused Insurance, or your Insurance was non-renewed, then you will not be able to join at this time.

When you apply to become a YouDoPet member we will check your credit rating. We do this to protect other members. We know that many things can affect a person's credit rating, and a poor credit rating doesn't necessarily mean that you wouldn't be a trustworthy YouDoPet member. If there is a bad credit history or low credit rating we may contact you for more details before a final decision is taken.

Why your claims will always be paid

I'm signing up early, what happens if I need to claim before enough people have joined?

 

We have arrangements in place to cover agreed claims in the early days so you really don't need to worry about anything other than giving your pet lots of TLC.

Of course it's really important that all YouDo pets have the protection they need. So from the day you join, you and your pet will benefit from the protection you've chosen.

If you need to make a claim early on, that's OK, because we promise that all approved claims are paid. We also promise that the most any member pays out for other members’ claims is capped. In other words, your agreed claim will always be paid regardless of how many members there are, and your contributions to other members' claims will never be more than the premium that insurers would have charged for similar cover.

The more people who join, the lower the costs for each member, so in this case, bigger really is better, as any claim is spread across more members. So encourage your petfriends to join!

Your money is safe

What happens to my money if YouDoPet goes under?

 

YouDoPet is not an insurance company and we do not charge you an up-front premium. All members pay for each other’s claims, so we do not hold any of your money. If we were to stop trading, you would not lose anything except for any remaining portion of your membership fee.

What happens to my cover if YouDoPet stops trading?

 

All members pay for each other’s claims, so we do not hold any of your money except for your membership fee. If we were to stop trading, you would have to find cover elsewhere and you would not lose anything except for any remaining portion of your membership fee.

Privacy and Data Protection

Pet Directory Privacy Policy

 

This privacy policy sets out how YouDoPet uses and protects any information that you give YouDoPet when you use this website.

YouDoPet is committed to ensuring that your privacy is protected. Should we ask you to provide certain information by which you can be identified when using this website, then you can be assured that it will only be used in accordance with this privacy statement.

YouDoPet may change this policy from time to time by updating this page. You should check this page from time to time to ensure that you are happy with any changes. This policy is effective from 25th May 2018.

What we collect

We may collect the following information if your register your business in our pet directory:

  • Name and job title
  • Contact information including email address
  • Demographic information such as address and postcode
  • Website address
  • Services you provide your customers

What we do with the information we gather

We require this information to display your information accurately to users of our pet directory.
Your email address is not displayed on the pet directory, but is stored by YouDoPet to communicate with you and we may periodically send emails to you about YouDoPet we think you may find interesting or topical.

Security

We are committed to ensuring that your information is secure. In order to prevent unauthorised access or disclosure, we have put in place suitable physical, electronic and managerial procedures to safeguard and secure the information we collect online.

How we use cookies

A cookie is a small file which asks permission to be placed on your computer's hard drive. Once you agree, the file is added and the cookie helps analyse web traffic or lets you know when you visit a particular site. Cookies allow web applications to respond to you as an individual. The web application can tailor its operations to your needs, likes and dislikes by gathering and remembering information about your preferences.

We use traffic log cookies to identify which pages are being used. This helps us analyse data about web page traffic and improve our website in order to tailor it to customer needs. We only use this information for statistical analysis purposes and then the data is removed from the system.

Overall, cookies help us provide you with a better website, by enabling us to monitor which pages you find useful and which you do not. A cookie in no way gives us access to your computer or any information about you, other than the data you choose to share with us.

You can choose to accept or decline cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. This may prevent you from taking full advantage of the website.

Links to other websites

Our website may contain links to other websites of interest. However, once you have used these links to leave our site, you should note that we do not have any control over that other website. Therefore, we cannot be responsible for the protection and privacy of any information which you provide whilst visiting such sites and such sites are not governed by this privacy statement. You should exercise caution and look at the privacy statement applicable to the website in question.

Controlling your personal information

You may choose to restrict the use of your personal information in the following ways:

  • You can remove your business listing from the pet directory at any time by emailing or calling 0207 148 3322 and YouDoPet will remove it for you.
  • If you no longer wish to receive emails from YouDoPet there is an unsubscribe option on each email you receive or you can email or call 0207 148 3322 at any time and YouDoPet will remove it for you.
  • We will not sell, distribute or lease your personal information to third parties unless we have your permission or are required by law to do so.
  • You may request details of personal information which we hold about you under the Data Protection Act 1998. A small fee will be payable. If you would like a copy of the information held on you please write to [address].
  • If you believe that any information we are holding on you is incorrect or incomplete, please email YouDoPet on or calling 0207 148 3322 as soon as possible. We will promptly correct any information found to be incorrect.

Member Privacy Policy

 

How do we use your personal information?

The personal information we hold is the information we receive through our dealings with you, the administration of your cover and your membership of YouDoPet. It may include information we obtain from other people, businesses and organisations. We will only keep the information for as long as we need to use it for the purposes set out below.

We may use personal information to

  • respond to enquiries and requests
  • make decisions about accepting you as a Member of YouDoPet and providing cover
  • understand Members’ needs and requirements
  • investigate and process claims
  • collect membership fees
  • collect contributions to claims and arrange payment of claims
  • deal with appeals and complaints
  • detect crime and prevent fraud
  • carry out market research
  • if you agree, tell you about other products and services from the YouDo group.

This may involve giving information to other organisations for actuarial, insurance and claims purposes and to fraud prevention agencies. We will not give information to anyone else unless:

  • the person agrees
  • we are allowed or required by law to disclose it
  • we are involved in a sale, merger, reorganisation, transfer of business or dissolution.

We may use information about you in order to comply with financial sanctions which apply in the UK and internationally. This may include checking your information on HM Treasury’s lists of financial sanctions targets.

A contract will be in place to make sure that personal information is protected if we give it to businesses and organisations in countries that do not provide the same level of personal information protection as the UK. We will tell you if we are going to use your information in this way.

Law enforcement agencies and other authorities can ask for personal information to detect or prevent crime or to comply with legal obligations. If they ask we have to give the information.

We may, from time to time, change the way we use personal information. If we believe that it would not be reasonable for Members to expect us to change in the way we have, we will write to each Member and explain the change. If we do not receive a Member’s objection to the change within 60 days then it is accepted that the Member has agreed to the change.

Members and other people whose personal information we hold have the right to ask for a copy of the information and the right to have any inaccuracies corrected, to have information erased and to object to processing.

If you or a person whose information we hold want to ask for the information or are concerned about how we process your or their information, please let us know by

  • emailing us on or

You or they can also make a complaint to the Information Commissioner’s Office

  • on line at ico.org.uk/concerns/
  • by telephone on 0303 123 1113 (local rate) 01625 545 745 (national rate) or
  • by writing to the
    Information Commissioner’s Office
    Wycliffe House
    Water Lane
    Wilmslow
    Cheshire SK9 5AF

We may record telephone calls to make sure that we follow instructions correctly and for staff training purposes.

We may use publicly available data from a variety of sources, including credit reference agencies and other external organisations to verify your identity or creditworthiness and to avoid fraud. Searches may appear on your credit report whether or not you become a Member.

We will provide the names and addresses of the agencies we use if we are asked.