FabSwingers.com forum: are you the type that buys insurance for everything

By (user no longer on site) OP
over a year ago

are you a what if person, do you claim on your insurances, what do you claim for, do you have pet insurances whats the excess?

Reply privately

Reply in forum

Reply +quote

By *rwhowhatwherewhyMan
over a year ago

Aylesbury

Nah, that's gambling

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"Nah, that's gambling"
i bet it isn't

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

if you're a porn star have you insured your nob

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

I have zero insurance for anything, apart from whatever if anything I get with my bank account, and my tv which is in the sky package.

Royally screwed if anything goes wrong.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

No.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"I have zero insurance for anything, apart from whatever if anything I get with my bank account, and my tv which is in the sky package.

Royally screwed if anything goes wrong.

P"
yes but you don't care......... i love that

Reply privately

Reply in forum

Reply +quote

By *appytrailmanMan
over a year ago

Manchester

only car insurance

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"only car insurance "
legal requirement

Reply privately

Reply in forum

Reply +quote

By *ady LickWoman
over a year ago

Northampton Somewhere

Other than my car I have insurance on my washing machine

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"Other than my car I have insurance on my washing machine "
1 or 2 years?

Reply privately

Reply in forum

Reply +quote

By *rwhowhatwherewhyMan
over a year ago

Aylesbury

"Nah, that's gamblingi bet it isn't

You are making a bet with your insurer that whatever it is you are insuring is going to get damaged or destroyed in some way.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"Nah, that's gamblingi bet it isn't

You are making a bet with your insurer that whatever it is you are insuring is going to get damaged or destroyed in some way."
not me i don't gamble

Reply privately

Reply in forum

Reply +quote

By *isaAndNicoleTransTV/TS
over a year ago

Southport / Ellesmere Port

"Nah, that's gamblingi bet it isn't

You are making a bet with your insurer that whatever it is you are insuring is going to get damaged or destroyed in some way."

And then the companies will try everything they can to avoid paying out.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"No."

Apart from my car, obviously.

I cancelled my dogs insurance last year, she had a massive limp removed and I ended up paying nearly half what with all the excesses and small print.

Cat cost me 250quid last week, but that was the first time in nearly 14 years, so cant grumble x

Reply privately

Reply in forum

Reply +quote

By *om and JennieCouple
over a year ago

Chams or Socials

Car, pet, buildings & contents, some mortgage thingy from years ago which needs increasing. Used to have phone insurance

Have claimed on most of them at some point. House insurance has been a life saver with 3 big claims in 13 years

J x

Reply privately

Reply in forum

Reply +quote

By *rwhowhatwherewhyMan
over a year ago

Aylesbury

"Nah, that's gamblingi bet it isn't

You are making a bet with your insurer that whatever it is you are insuring is going to get damaged or destroyed in some way.

And then the companies will try everything they can to avoid paying out. "

Kind of like bookies really

Reply privately

Reply in forum

Reply +quote

By *ady LickWoman
over a year ago

Northampton Somewhere

"Other than my car I have insurance on my washing machine 1 or 2 years? "

I think it's a rolling one, can stop it whenever but that is one appliance I can't do without.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"Other than my car I have insurance on my washing machine 1 or 2 years?

I think it's a rolling one, can stop it whenever but that is one appliance I can't do without. "
how much do you pay, is it a washer dryer?

Reply privately

Reply in forum

Reply +quote

By *ady LickWoman
over a year ago

Northampton Somewhere

"Other than my car I have insurance on my washing machine 1 or 2 years?

I think it's a rolling one, can stop it whenever but that is one appliance I can't do without. how much do you pay, is it a washer dryer?

Not much ~ less than £15 a month. It's just a wm.

Reply privately

Reply in forum

Reply +quote

By *andybeachWoman
over a year ago

In the middle

Nope apart from the car, for example when my son moved into his flat I bought him a small fridge for £100 and was asked if I wanted to pay £50 for insurance, I was like “ £50 a year for a fridge that only cost £100? I don’t think so”

My mother used to pay a monthly thing for Sky and had paid it for years, we had trouble with our dish and only paid an all in fee of £80, gawd knows how much she had paid over the years, so no extra insurances for me

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"Other than my car I have insurance on my washing machine 1 or 2 years?

I think it's a rolling one, can stop it whenever but that is one appliance I can't do without. how much do you pay, is it a washer dryer?

Not much ~ less than £15 a month. It's just a wm. "
so £180 per year

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Always used to insure the car fully comprehensive as it wasn’t much more than third party fire and theft. That was until I looked at the excess that was more than the value of the car, so they were never going to pay out anyway.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

yes

life insurance x 4

pet insurance x 4

car

contents

holiday

only made 1 claim in last 10 years for my daughter's mobile phone

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

I’m unsure....

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

I do find the extended warranty useful on electrical goods, but never buy it.

A salesman pointed out to me that the cost of it is a good indicator of reliability.

Always had Hoover appliances but got unhappy with the reliability. It was pointed out that three years extended warranty on a Hoover washing machine was £299. Four years on a similarly priced Bosch machine was £89.

Obviously the Hoover warranty was more because it was almost guaranteed to have a claim whereas the Bosch wasn’t. Still got the Bosch machine now and it must be ten years old.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"yes

life insurance x 4

pet insurance x 4

car

contents

holiday

only made 1 claim in last 10 years for my daughter's mobile phone"
thats a lot of money 10 years worth only one claim

Reply privately

Reply in forum

Reply +quote

By *wisted999Man
over a year ago

North Bucks

Dogs

Horse

House

Life

Car

Critical illness.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"yes

life insurance x 4

pet insurance x 4

car

contents

holiday

only made 1 claim in last 10 years for my daughter's mobile phonethats a lot of money 10 years worth only one claim

If pipes burst, house caught fire etc I don't have thousands to replace everything I own

or hundreds if accidental damage to furniture/flooring etc

I'd rather pay £6 a month, it's literally a couple of coffees

Reply privately

Reply in forum

Reply +quote

By *ooking4othersMan
over a year ago

Here ...

I have house insurance as the mortgage provider demands it but other than insurance for cars (or other legal requirements), other than that I don't insure as I can generally repair most things myself.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Only have travel insurance, and on any appliances that have extended warranties for free.

I used to have house insurance and have claimed a couple of times in the past but the premiums they are asking are so insane that i would have to make a claim every year to justify the cost.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"yes

life insurance x 4

pet insurance x 4

car

contents

holiday

only made 1 claim in last 10 years for my daughter's mobile phonethats a lot of money 10 years worth only one claim

If pipes burst, house caught fire etc I don't have thousands to replace everything I own or hundreds if accidental damage to furniture/flooring etc

I'd rather pay £6 a month, it's literally a couple of coffees"

If you can tell me where to get contents insurance for £6 i would get it. Last time I got a quote about 10 years ago the cheapest was £600 for the year.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"yes

life insurance x 4

pet insurance x 4

car

contents

holiday

only made 1 claim in last 10 years for my daughter's mobile phonethats a lot of money 10 years worth only one claim

If pipes burst, house caught fire etc I don't have thousands to replace everything I own or hundreds if accidental damage to furniture/flooring etc

I'd rather pay £6 a month, it's literally a couple of coffees

If you can tell me where to get contents insurance for £6 i would get it. Last time I got a quote about 10 years ago the cheapest was £600 for the year. "

suppose it's down to postcode/area x

Reply privately

Reply in forum

Reply +quote

By *lex46TV/TS
over a year ago

Near Wells

No insurance on anything except what's legally required.

I run my own business and all my insurance, motor, public liability, employers liability etc etc is what I have and that costs me £8000 every year. I think that's enough for those insurance people.

Never had phone, life, pet insurance or any extended warranty. The only insurance I get is when I go motorbiking in a foreign country as I think that's when I might need it sometime.

I think I've saved money over the years except for mobile phones. One time I got through 3 phones in 2 years

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

The only insurance I ever yet is travel insurance due to medical issues and being allergic yet so appealing to every bug known to man

Reply privately

Reply in forum

Reply +quote

By *abs..Woman
over a year ago

Yes I get or have insurance for many things

Reply privately

Reply in forum

Reply +quote

By *ophieslutTV/TS
over a year ago

Central

Not generally and certainly not interested in shop sold extended cover.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"yes

life insurance x 4

pet insurance x 4

car

contents

holiday

only made 1 claim in last 10 years for my daughter's mobile phonethats a lot of money 10 years worth only one claim

If pipes burst, house caught fire etc I don't have thousands to replace everything I own

or hundreds if accidental damage to furniture/flooring etc

I'd rather pay £6 a month, it's literally a couple of coffees"
£6 per month covers you for all that, I'm wondering what your excess is now

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"yes

life insurance x 4

pet insurance x 4

car

contents

holiday

only made 1 claim in last 10 years for my daughter's mobile phonethats a lot of money 10 years worth only one claim

If pipes burst, house caught fire etc I don't have thousands to replace everything I own

or hundreds if accidental damage to furniture/flooring etc

I'd rather pay £6 a month, it's literally a couple of coffees£6 per month covers you for all that, I'm wondering what your excess is now

CONTENTS insurance .... £100 excess

you can choose the value of contents you want to insure

go on comparison sites and check it out. I will point out I'm in a low crime village and until last year obviously had over 8 years no claims.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

I've got insurance for those things I can't afford to repair or replace... life, home, car. I've got free mobile phone insurance through perkbox courtesy of work... oh and breakdown cover because I'd be well and truly shafted without a car.

Don't bother with pets... that's a cost I'd have to suck up if I ever needed to, and certainly wouldn't bother for appliances.

Reply privately

Reply in forum

Reply +quote

By *amissCouple
over a year ago

chelmsford

Insured for everything. Have claimed on contents insurance, when we were burgled whilst on holiday and had a burst pipe at the same time, so claimed on house insurance. Claimed on travel insurance when taken ill on holiday.

Reply privately

Reply in forum

Reply +quote

By *yx_InannaWoman
over a year ago

Burslem

I'm insured on my washer for less than 5 a month. Had washer over 9 years the repairs thats been done cost more than the washer and I've not had pay an extra penny for them. Eventually they will have replace the whole washer.

It's had new rubbers, many new drum paddles, new board when it fried, new door locking mechanism when that fried, had pump repairs, they've come out to unblock the outlet pipe inside by the drum. Without a washer I'd be screwed and the insurance is worth it. On average I'm without a washer for 3 days before it's repaired.

Everything else I'd be fucked, my hoover broke days after extended warranty ended just typical.

Reply privately

Reply in forum

Reply +quote

By *orthern StarsCouple
over a year ago

Durham, North Yorkshire and can travel

Good god no. We have better things to spend our money on...like hotel rooms

Reply privately

Reply in forum

Reply +quote

By *latinumkittenWoman
over a year ago

from Home Counties to Middle Earth

Only insured where I'm obliged to have insurance. Other than that, I live for today

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"Good god no. We have better things to spend our money on...like hotel rooms

"
me to

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

I have car insurance and house and contents but no others.

My parents often suggest I take out life insurance, I'm a bit worried they might want to bump me off.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

Absolutely.

Excess for pet insurance is £100

Claimed £14,000 in the last 9 months of the policy.

Personally I think pet insurance should be mandatory, it’s selfish owners who won’t pay that end up costing the animal it’s life when the shit hits the fan.

I see so many people trying to crowdfund their vet fees, it’s sad to see.

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"Insured for everything. Have claimed on contents insurance, when we were burgled whilst on holiday and had a burst pipe at the same time, so claimed on house insurance. Claimed on travel insurance when taken ill on holiday."
you are the couple that puts the price of insurance through the roof

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"Absolutely.

Excess for pet insurance is £100

Claimed £14,000 in the last 9 months of the policy.

Personally I think pet insurance should be mandatory, it’s selfish owners who won’t pay that end up costing the animal it’s life when the shit hits the fan.

I see so many people trying to crowdfund their vet fees, it’s sad to see."
are you a vet?

Reply privately

Reply in forum

Reply +quote

By (user no longer on site) OP
over a year ago

"I have car insurance and house and contents but no others.

My parents often suggest I take out life insurance, I'm a bit worried they might want to bump me off. "
lol hey you hear that of parents in America

Reply privately

Reply in forum

Reply +quote

By (user no longer on site)
over a year ago

"Absolutely.

Excess for pet insurance is £100

Claimed £14,000 in the last 9 months of the policy.

Personally I think pet insurance should be mandatory, it’s selfish owners who won’t pay that end up costing the animal it’s life when the shit hits the fan.

I see so many people trying to crowdfund their vet fees, it’s sad to see."

Just because people don't have pet insurance doesn't make them selfish. I don't understand why more people just don't save the amount they'd be prepared to pay on insurance each month. If I was paying pet insurance I would have claimed £600 in 20 years. I shudder to think how much I would have paid for 3 cats in that time!!

Reply privately

Reply in forum

Reply +quote

By *abasaurus RexMan
over a year ago

Gloucestershire

House, contents, car, travel and income insurance (last one is a temporary thing as I’ve emptied the coffers buying the house, it’s also only £5/month).

I never bother insuring anything else.

Reply privately

Reply in forum

Reply +quote

Post new Message to Thread