Michaelangelo wrote:
Norman Wells burst on the scene, and said:


I just wonder if anyone here has actually received back from their
house insurance company more than they've paid out in premiums.
There should be some if the companies aren't rampantly profiteering
on the back of unjustified anxiety.

You don't really understand insurance, do you?

I understand the insurance companies' view of the matter. What I'm not so
clear about is whether they're providing a worthwhile service to me.