"Steve Walker" wrote in message
news
On 29/11/2017 19:53, Rod Speed wrote:


"T i m" wrote in message
...
On Wed, 29 Nov 2017 15:23:47 +0000, Bob Henson
wrote:

snip

The RAC and the AA are as bad if not worse - in fact just about anyone
who
has annual renewals these days.

A quick haggle with the AA seems to result in a good discount ('I've
been with you over 30 years and have only called you out how many
times?'. ;-)

snip

Personally, I think screwing existing customers amounts to
fraud and would like to see "one price for all" enshrined in the Law.

It would be 'discrimination' (new customers over old) at least
wouldn't it?

Sure, but plenty of discrimination is legal.

You are only forced to go to school if you are of a particular age.

You are not forced to go to school at all at any age! Children from the
start of the first term after their 5th birthday until they are 18 have to
have an education. That can be in a school, at home, at a tutor's -
whatever arrangements you want to make. It is just simpler and more
practical for most people to send their children to a school.

You are still forced to do one of those, pendant.

"GB" wrote in message
news
On 29/11/2017 19:11, Jim GM4DHJ ... wrote:


try getting travel insurance when you have had a liver transplant......

A friend has had one. I don't think she travels outside this country any
longer. She has to stay out of the sun, so going somewhere hot would be a
nightmare for her.

Not if she goes into the artic when its dark all the time.

On Wednesday, 29 November 2017 22:49:13 UTC, Rod Speed wrote:

You are still forced to do one of those, pendant.

he's a real bulbholder isn't he

wrote in message
...
On Wednesday, 29 November 2017 22:49:13 UTC, Rod Speed wrote:

You are still forced to do one of those, pendant.

he's a real bulbholder isn't he

I meant it more in the sense of someone who has just hung themselves.

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Rod Speed" wrote in message
...


"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

you in America then?...

Nope.

oh well I will stop guessing......

"GB" wrote in message
news
On 29/11/2017 19:10, Jim GM4DHJ ... wrote:

I do for everything except house, motorbike and car insurance ....eg I
put
£20 away in a tin each month to sort out the cat ......

Have you taught the cat to go shopping? Mine was so snooty and refused to
look for yellow stickered goods in the supermarket.




don't be obtuse .......we were talking about insurance ...

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Chris J Dixon" wrote in message
...
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

I do for everything except house, motorbike and car insurance ....
eg I put £20 away in a tin each month to sort out the cat ......

Are you really so stupid you need to have a tin for that ?

looks like it ......

"bert" wrote in message
...
In article , Jim GM4DHJ ...
writes

Not feasible with insurance and why should
I be paying more to subside hopeless drivers

...like wummin' ...


Quite the reverse - thank to the EU.
Young women are subsidising reckless young men.

so why do I spend my life avoiding wummin and the only two incidents where I
got hit were wummin' ? .....

On Wednesday, 29 November 2017 19:44:06 UTC, Rod Speed wrote:
"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I dont even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

I suppose tin shacks are pretty cheap.

On Thursday, 30 November 2017 05:15:17 UTC, Jim GM4DHJ ... wrote:
"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Rod Speed" wrote in message
...


"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

you in America then?...

Nope.

oh well I will stop guessing......

He lives in a tin shack in the badlands of Oz (Australia)

On Wednesday, 29 November 2017 18:01:43 UTC, Mr Pounder Esquire wrote:
harry wrote:
Bloody Crooks!
Car insurance was due for Roller. (Lancaster, specialises in heritage
cars)
Was quoted by post and Email £135
(This was up by £30 on last year).
WHY?
So went on line, (Gocompare) spent ages filling in details and
pressed the button.
GUESS WHAT?
Came up with same insurance company but £86!!!!???

Two minutes later phone rings. Lancaster insurance.
They didn't realise I was an existing customer.
Needless to say we had a row and insurance price was revised down.
SO
(1) Amazing how the spy network/links work (they were ringing me in
minutes of pressing get quote button.
(2) It pays to go on comparison site or you'll get ripped off.

I seem to remember that there is a box you can tick/untick if you do not
wish to be telephoned by a sales person.

There was.
I was foolish enough to ignore it.
Another company rang later too.

"harry" wrote in message
...
On Thursday, 30 November 2017 05:15:17 UTC, Jim GM4DHJ ... wrote:
"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Rod Speed" wrote in message
...


"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

you in America then?...

Nope.

oh well I will stop guessing......

He lives in a tin shack in the badlands of Oz (Australia)

thanks...he obviously wasn't going to tell me. ...tee hee

"harry" wrote in message
...
On Wednesday, 29 November 2017 19:44:06 UTC, Rod Speed wrote:
"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

I suppose tin shacks are pretty cheap.

wagga wagga

"Jim GM4DHJ ..." wrote in message
...

"harry" wrote in message
...
On Wednesday, 29 November 2017 19:44:06 UTC, Rod Speed wrote:
"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

I suppose tin shacks are pretty cheap.

wagga wagga

wonder if he knows Bill Kerr ? ....

"harry" wrote in message
...
On Wednesday, 29 November 2017 19:44:06 UTC, Rod Speed wrote:
"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I dont even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

I suppose tin shacks

Just another of your pathetic little drug crazed drunken rabid bigot
fantasys.

"harry" wrote in message
...
On Thursday, 30 November 2017 05:15:17 UTC, Jim GM4DHJ ... wrote:
"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Rod Speed" wrote in message
...


"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

you in America then?...

Nope.

oh well I will stop guessing......

He lives in a tin shack

You are wrong, as always.

in the badlands of Oz (Australia)

You are wrong, as always.

"Rod Speed" wrote in message
...


"harry" wrote in message
...
On Wednesday, 29 November 2017 19:44:06 UTC, Rod Speed wrote:
"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

I suppose tin shacks

Just another of your pathetic little drug crazed drunken rabid bigot
fantasys.
you say that as if it were a bad thing .....

"Jim GM4DHJ ..." wrote in message
...

"harry" wrote in message
...
On Wednesday, 29 November 2017 19:44:06 UTC, Rod Speed wrote:
"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

I suppose tin shacks are pretty cheap.

wagga wagga

Guess again.

"Jim GM4DHJ ..." wrote in message
...

"Jim GM4DHJ ..." wrote in message
...

"harry" wrote in message
...
On Wednesday, 29 November 2017 19:44:06 UTC, Rod Speed wrote:
"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

I suppose tin shacks are pretty cheap.

wagga wagga

wonder if he knows Bill Kerr ? ....

Nope.

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Jim GM4DHJ ..." wrote in message
...

"harry" wrote in message
...
On Wednesday, 29 November 2017 19:44:06 UTC, Rod Speed wrote:
"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

I suppose tin shacks are pretty cheap.

wagga wagga

wonder if he knows Bill Kerr ? ....

Nope.
he is dead now anyway ....

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"harry" wrote in message
...
On Wednesday, 29 November 2017 19:44:06 UTC, Rod Speed wrote:
"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

I suppose tin shacks are pretty cheap.

wagga wagga

Guess again.
hong kong...canada...I really don't care .....

"Jim GM4DHJ ..." wrote in message
...

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Jim GM4DHJ ..." wrote in message
...

"harry" wrote in message
...
On Wednesday, 29 November 2017 19:44:06 UTC, Rod Speed wrote:
"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

I suppose tin shacks are pretty cheap.

wagga wagga

wonder if he knows Bill Kerr ? ....

Nope.
he is dead now anyway ....

Never stopped you necrophiliacs.

On 30/11/2017 05:17, Jim GM4DHJ ... wrote:
"Rod Speed" wrote in message
...
"Jim GM4DHJ ..." wrote in message
...
"Chris J Dixon" wrote in message
...
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

I do for everything except house, motorbike and car insurance ....
eg I put £20 away in a tin each month to sort out the cat ......

Are you really so stupid you need to have a tin for that ?

looks like it ......

Do you have one of those tins with multiple slots marked, 'Rent', 'TV
hire', 'Petrol' &c.?

--
Max Demian

In article ,
bert wrote:
In article , Jim GM4DHJ ...
writes

Not feasible with insurance and why should
I be paying more to subside hopeless drivers

...like wummin' ...


Quite the reverse - thank to the EU.
Young women are subsidising reckless young men.

Typical bert. No clue about the whole idea of insurance. If everyone paid
exactly by their individual risk, there'd be no point in it.

--
*I never drink anything stronger than gin before breakfast *

Dave Plowman London SW
To e-mail, change noise into sound.

On 30/11/2017 05:16, Jim GM4DHJ ... wrote:
"GB" wrote in message
news
On 29/11/2017 19:10, Jim GM4DHJ ... wrote:

I do for everything except house, motorbike and car insurance ....eg I
put
£20 away in a tin each month to sort out the cat ......

Have you taught the cat to go shopping? Mine was so snooty and refused to
look for yellow stickered goods in the supermarket.




don't be obtuse .......we were talking about insurance ...



You get the cat to pay for insurance out of his £20? Does that leave him
enough to buy cat food? You have me worried that the poor creature is
starving to death.

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Jim GM4DHJ ..." wrote in message
...

"harry" wrote in message
...
On Wednesday, 29 November 2017 19:44:06 UTC, Rod Speed wrote:
"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

I suppose tin shacks are pretty cheap.

wagga wagga

wonder if he knows Bill Kerr ? ....

Nope.
he is dead now anyway ....

Never stopped you necrophiliacs.

you are confusing me with Jim....Jimmy savelle ......

"Max Demian" wrote in message
o.uk...
On 30/11/2017 05:17, Jim GM4DHJ ... wrote:
"Rod Speed" wrote in message
...
"Jim GM4DHJ ..." wrote in message
...
"Chris J Dixon" wrote in message
...
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

I do for everything except house, motorbike and car insurance ....
eg I put £20 away in a tin each month to sort out the cat ......

Are you really so stupid you need to have a tin for that ?

looks like it ......

Do you have one of those tins with multiple slots marked, 'Rent', 'TV
hire', 'Petrol' &c.?

don't be silly that is so 1950's ..........don't mind a tin for the vet
bills....and you can raid it if you run short of cash .....

"GB" wrote in message
news
On 30/11/2017 05:16, Jim GM4DHJ ... wrote:
"GB" wrote in message
news
On 29/11/2017 19:10, Jim GM4DHJ ... wrote:

I do for everything except house, motorbike and car insurance ....eg I
put
£20 away in a tin each month to sort out the cat ......

Have you taught the cat to go shopping? Mine was so snooty and refused
to
look for yellow stickered goods in the supermarket.




don't be obtuse .......we were talking about insurance ...



You get the cat to pay for insurance out of his £20? Does that leave him
enough to buy cat food? You have me worried that the poor creature is
starving to death.


your kidding it is a fat cat .....thinks about nothing but food .....

On Thursday, 30 November 2017 13:57:18 UTC, Jim GM4DHJ ... wrote:
"GB" wrote in message
news
On 30/11/2017 05:16, Jim GM4DHJ ... wrote:
"GB" wrote in message
news On 29/11/2017 19:10, Jim GM4DHJ ... wrote:

I do for everything except house, motorbike and car insurance ....eg I
put
�20 away in a tin each month to sort out the cat ......

Have you taught the cat to go shopping? Mine was so snooty and refused
to
look for yellow stickered goods in the supermarket.




don't be obtuse .......we were talking about insurance ...



You get the cat to pay for insurance out of his �20? Does that leave him
enough to buy cat food? You have me worried that the poor creature is
starving to death.


your kidding it is a fat cat .....thinks about nothing but food .....

Are you talking about the EU again ;-)

I still don't understadn why we have to pay billions for the EU 'workers' pentions.

"whisky-dave" wrote in message
...
On Thursday, 30 November 2017 13:57:18 UTC, Jim GM4DHJ ... wrote:
"GB" wrote in message
news
On 30/11/2017 05:16, Jim GM4DHJ ... wrote:
"GB" wrote in message
news On 29/11/2017 19:10, Jim GM4DHJ ... wrote:

I do for everything except house, motorbike and car insurance ....eg
I
put
L20 away in a tin each month to sort out the cat ......

Have you taught the cat to go shopping? Mine was so snooty and refused
to
look for yellow stickered goods in the supermarket.




don't be obtuse .......we were talking about insurance ...



You get the cat to pay for insurance out of his L20? Does that leave him
enough to buy cat food? You have me worried that the poor creature is
starving to death.


your kidding it is a fat cat .....thinks about nothing but food .....

Are you talking about the EU again ;-)

I still don't understadn why we have to pay billions for the EU 'workers'
pentions.

or pensions even......

In article ,
whisky-dave wrote:
I still don't understadn why we have to pay billions for the EU
'workers' pentions.

You already pay for UK public sector worker's pensions. Since no
government has ever invested the money needed to provide them from
dividends, etc. Your pension, being in the public sector, will come from
the same source - the taxpayer.

EU employees, just the same.

--
*A computer once beat me at chess, but it was no match for me at kickboxing.

Dave Plowman London SW
To e-mail, change noise into sound.

On Thursday, 30 November 2017 14:38:03 UTC, Dave Plowman (News) wrote:
In article ,
whisky-dave wrote:
I still don't understadn why we have to pay billions for the EU
'workers' pentions.

You already pay for UK public sector worker's pensions. Since no
government has ever invested the money needed to provide them from
dividends, etc.

Se were told in the 1980s that as we recieved on average 18% less pay than those in teh public sector this was made up for in having 'generious pensions' that the employer paid into.

Your pension, being in the public sector, will come from
the same source - the taxpayer.

Does the USA taxpayer pay for my pensions ? If not why not.
Starange that we have to pay for future things lioke this but we can't claim rent on the properties they were built in the EU via our money.




EU employees, just the same.

evenb if we're no longer a memebr of the EU, seems a bit strange to me.

Who exactly are these EU workers ?

On 30/11/2017 04:44, Rod Speed wrote:


wrote in message
...
On Wednesday, 29 November 2017 22:49:13 UTC, Rod SpeedÂ* wrote:

You are still forced to do one of those, pendant.

he's a real bulbholder isn't he

I meant it more in the sense of someone who has just hung themselves.

It's 'hanged', not 'hung', in that context.

--
F

"Dave Plowman (News)" wrote in message
...
In article ,
bert wrote:
In article , Jim GM4DHJ ...
writes

Not feasible with insurance and why should
I be paying more to subside hopeless drivers

...like wummin' ...


Quite the reverse - thank to the EU.
Young women are subsidising reckless young men.

Typical bert. No clue about the whole idea of insurance. If everyone
paid exactly by their individual risk, there'd be no point in it.

Yes there would be. Even if you end up paying the same amount
over time in premiums as you would if you paid for the new car
or repairs to the existing one, the higher risk people would find it
easier to pay by the month or year than for the individual lump sums.

In spades with high personal injury costs.

"Jim GM4DHJ ..." wrote in message
...

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Jim GM4DHJ ..." wrote in message
...

"harry" wrote in message
...
On Wednesday, 29 November 2017 19:44:06 UTC, Rod Speed wrote:
"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

I suppose tin shacks are pretty cheap.

wagga wagga

wonder if he knows Bill Kerr ? ....

Nope.
he is dead now anyway ....

Never stopped you necrophiliacs.

you are confusing me with Jim....Jimmy savelle ......

Nope, we have the videos on youtube

"Dave Plowman (News)" wrote in message
...
In article ,
whisky-dave wrote:
I still don't understadn why we have to pay billions for the EU
'workers' pentions.

You already pay for UK public sector worker's pensions. Since no
government has ever invested the money needed to provide them from
dividends, etc. Your pension, being in the public sector, will come from
the same source - the taxpayer.

EU employees, just the same.

But no reason to continue to pay for EU employees once Britain has left the
EU, stupid.

"F" news@nowhere wrote in message
o.uk...
On 30/11/2017 04:44, Rod Speed wrote:


wrote in message
...
On Wednesday, 29 November 2017 22:49:13 UTC, Rod Speed wrote:

You are still forced to do one of those, pendant.

he's a real bulbholder isn't he

I meant it more in the sense of someone who has just hung themselves.

It's 'hanged', not 'hung', in that context.

You're wrong, as always.

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Jim GM4DHJ ..." wrote in message
...

"harry" wrote in message
...
On Wednesday, 29 November 2017 19:44:06 UTC, Rod Speed wrote:
"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon
wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a
profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking
the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

I suppose tin shacks are pretty cheap.

wagga wagga

wonder if he knows Bill Kerr ? ....

Nope.
he is dead now anyway ....

Never stopped you necrophiliacs.

you are confusing me with Jim....Jimmy savelle ......

Nope, we have the videos on youtube


is nope your favourite word .... and don't say nope or yep ......

"Jim GM4DHJ ..." wrote in message
...

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Jim GM4DHJ ..." wrote in message
...

"harry" wrote in message
...
On Wednesday, 29 November 2017 19:44:06 UTC, Rod Speed wrote:
"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon
wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a
profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking
the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix
whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and would
just **** off somewhere else if they wiped out the new car.

I suppose tin shacks are pretty cheap.

wagga wagga

wonder if he knows Bill Kerr ? ....

Nope.
he is dead now anyway ....

Never stopped you necrophiliacs.

you are confusing me with Jim....Jimmy savelle ......

Nope, we have the videos on youtube


is nope your favourite word ....

Nope, dope.

and don't say nope or yep ......

Nope, yep, dope.

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Rod Speed" wrote in message
...


"Jim GM4DHJ ..." wrote in message
...

"Jim GM4DHJ ..." wrote in message
...

"harry" wrote in message
...
On Wednesday, 29 November 2017 19:44:06 UTC, Rod Speed wrote:
"harry" wrote in message
...
On Wednesday, 29 November 2017 15:26:59 UTC, Chris J Dixon
wrote:
Jim GM4DHJ ... wrote:

all insurance is theft ...............

As I'm sure I have said here before, for me the stock answer
on
(relatively) small item insurance is quite simple.

The provider wants to sell cover on which they can turn a
profit.
Overall, therefore, they pay out less than they charge, and on
average, so long as you can stand the potential loss, you are
better off putting your money in a savings account and taking
the
chance.

When cold called by providers, I sometimes attempt to explain
this simple concept, and am surprised how few appreciate the
basic maths.

I only insure things I couldn't afford to replace. (House)

I don't even insure the house. Because its all electric and
almost entirely concrete, steel, glass, quarry tiles, no curtains
leather armchairs etc, its never going to burn down, and since
I built it from scratch on a bare block of land, I can fix
whatever
say get damaged by one of the trees etc if I need to for a lot
less than insurance every year would have cost me.

Or I legally have to. (Car)

I did insure the latest new car for the first year, because the
insurance was insanely cheap, just $100 and we have lots of
illegal fruit pickers etc here who have no assets at all and
would
just **** off somewhere else if they wiped out the new car.

I suppose tin shacks are pretty cheap.

wagga wagga

wonder if he knows Bill Kerr ? ....

Nope.
he is dead now anyway ....

Never stopped you necrophiliacs.

you are confusing me with Jim....Jimmy savelle ......

Nope, we have the videos on youtube


is nope your favourite word ....

Nope, dope.

and don't say nope or yep ......

Nope, yep, dope.


I told you not to ........