Norman Wells wrote:
Invisible Man wrote:

Whenever someone tries to sell me a warranty or insurance I say I
worked for an insurance company for 36 years and don't believe in it.
Car insurance, house and contents insurance and travel insurance I do
have.

Have you ever claimed on your house insurance, I wonder? Mine's just
come up for renewal and I can't recall ever making a claim in 35 years
except one in 1990 for a relatively small amount of damage caused by a
couple of ridge tiles being dislodged by high winds.

The house is unlikely to collapse or hit an aeroplane, so what's it for
exactly? What are the most common claims?



Theft.

Fire.

Theft I claimed about £6000 off. Had a real battle with teh loss
adjuster who claimed all my second hand junk furniture bought for a
couple of hundred was worth thousands of pounds, so wanted to adjust my
loss downwards.

Lost some garden machinery to the moonlight boys from the traveller
camp,.. Claimed a couple of grand on that. Thst conetnts of course.



Fire can take the whole house. That's house insurance. I cant see I
would ever need it, but storm damage can run into a lot as can flood
damage. Neighbours had an oil line split under the house. Whole ground
floor up, and about 200 cu meter of 'contaminated' soil removed and
replaced..cost 50 grand plus, and took 18 months. Elfin safety innit?

Ditto subsidence. Anyway, unless you buy cash, insurance on house is
mandatory.