If you are looking to buy a Chug, you would need to pay anything from £400 to over £650 for a well-bred puppy. The cost of insuring a male 3-year-old Chug in northern England would be £18.21 a month for basic cover but for a lifetime policy, this would set you back £42.43 a month (quote as of October 2017). When insurance companies calculate a pet’s premium, they factor in several things which includes where you live in the UK and a dog’s age and whether they have been neutered or spayed.