On Sun, 28 Jun 2020 16:46:16 +0100, T i m wrote:

On Sat, 27 Jun 2020 20:36:45 +0100, "Commander Kinsey"
wrote:

snip

And if something of yours had got broken, you might be advised to
claim off *your* insurance? Not everyone get's the 'sorry, my fault,
let me sort that out for you' ethic.

When a car crashes into mine, their insurance pays, not mine!

Who was talking about cars?

It's the same with everything, the person at faults pays up. If my tree fell down and went through my neighbour's window, she shouldn't expect her insurance to pay, and raise her premium. The money should come from me or my insurance.

And I doubt garden ornaments are covered.

Ours are.

I don't have enough to bother with that.

Like when you see your neighbours cat regularly jumping on and off
your car a scratching it ...

That is the cat's fault, and they can't pay.

It's not, the owner has a 'duty of care' to ensure their cat doesn't
cause damage to other peoples property and they can be held
responsible for it.

Bull****, you cannot control a cat, by their very nature they roam freely. What you said only legally applies to dogs.