Never heard of Buddies.
I use M & S for all mine. Misty's insurance is due for renewal this month and the premium has more than doubled! From £64 to £121!! and I haven't even made a claim. I spoke to M&S and they said AXA has changed the way the insurance is calculated. I went online and got a new quote and it was £100
. They couldn't explain that. I did a search on many different companies and M & S were still cheaper, so I will cancel the old policy and take out a new one with them although this seems daft. Some companies wont insure him as he will be 10 in May. I have to say that the quote is for a nil excess, and no other companies can match this.
I have claimed once with M & S for Caleb, they paid out but it took some time, not as quick as Petplan.