On 29/07/2018 07:28, harry wrote:

What a con!!!!
I only insure the house and cars.


+1 (except we only have the one car).

The whole concept of insuring small losses is obviously barmy. Maybe it
makes sense for people who are so broke and out of credit they can't
afford to replace a small appliance, but otherwise the process of
insuring adds the cost of layers of administration and profit onto the
expected cost of replacement. It's bound to be cheaper to self-insure.