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Tony (Tony)
Username: Tony

Registered: 03-2008
Posted From: 86.153.149.114
Posted on Friday, August 28, 2009 - 01:46 pm:   

My youngest son has just had his bike stolen on his birthday; it was his birthday present, bought a few weeks earlier so as to enjoy the summer. It cost a bit and he put 80 of his own savings to it. Today I go to put a claim in for it and they say we have to put the first hundred pounds to it.
What the fuck point is house insurance? I can see no benefit fro it if you have to do this.
I fucking hate it and want all those involved in it to be lowered into a vat of acid at the rate of an inch a year until they are dead.
Jesus.
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Zed (Gary_mc)
Username: Gary_mc

Registered: 03-2008
Posted From: 213.219.8.243
Posted on Friday, August 28, 2009 - 01:47 pm:   

Just like most insurances, it's a license for pricks to print money, mate.
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Mark_lynch (Mark_lynch)
Username: Mark_lynch

Registered: 03-2008
Posted From: 88.110.58.21
Posted on Friday, August 28, 2009 - 01:52 pm:   

Alas, it's true. My phone came with built-in insurance. I pay the first 50 of any repair should it be needed, and the policy has to be paid for a year if I make two claims, even though anymore than that would not be honoured. Sorry Tris's bike was nicked, Tony. I know you've all been enjoying rides lately.
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Joel (Joel)
Username: Joel

Registered: 03-2008
Posted From: 217.37.199.45
Posted on Friday, August 28, 2009 - 01:57 pm:   

If you're burgled, house insurance will refund a fraction of what you have lost corresponding to the fraction of the total value of your house contents that it represents. So if the burglar didn't take the most valuable items, you get next to nothing back.

No health insurance company will refund the cost of private treatment for any problem linked to a chronic illness you had before you started the policy. So if you have a heart or lung condition or diabetes or any congenital disorder, forget health insurance.

And we accept this shit as something normal and inevitable in a 'free market'. Jesus wept.
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Zed (Gary_mc)
Username: Gary_mc

Registered: 03-2008
Posted From: 213.219.8.243
Posted on Friday, August 28, 2009 - 02:04 pm:   

This is why people rip off insurance firms: because the twats deserve it.
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Mark_lynch (Mark_lynch)
Username: Mark_lynch

Registered: 03-2008
Posted From: 88.110.58.21
Posted on Friday, August 28, 2009 - 02:04 pm:   

And died for our sins.

Or so a bloke named Geoff, carrying his home-made full size crucifix, told me the other week. had a half hour chat with him about his "Road to Heckmondwicke" experience. Oddly enough, after we'd done, he still believed Jesus pegged it for our sins and I didn't.
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Mark_lynch (Mark_lynch)
Username: Mark_lynch

Registered: 03-2008
Posted From: 88.110.58.21
Posted on Friday, August 28, 2009 - 02:04 pm:   

Jesus, that was.

Zed interposed.
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Zed (Gary_mc)
Username: Gary_mc

Registered: 03-2008
Posted From: 213.219.8.243
Posted on Friday, August 28, 2009 - 02:05 pm:   

I often do.
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Joel (Joel)
Username: Joel

Registered: 03-2008
Posted From: 217.37.199.45
Posted on Friday, August 28, 2009 - 02:07 pm:   

Sorry to hear about the theft, Tony.
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Joel (Joel)
Username: Joel

Registered: 03-2008
Posted From: 217.37.199.45
Posted on Friday, August 28, 2009 - 02:07 pm:   

If I owned any really valuable books, I would give them to a local university library where I could sit and read them. Because they will stop me ever getting insurance payments on things that might actually get stolen, like a computer or a CD player.

To be honest I have more respect for burglars than I do for insurance companies. At least the former have to a) face a bit of danger and b) make a bit of an effort in order to rob you.
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Mark_lynch (Mark_lynch)
Username: Mark_lynch

Registered: 03-2008
Posted From: 88.110.58.21
Posted on Friday, August 28, 2009 - 02:11 pm:   

>>To be honest I have more respect for burglars than I do for insurance companies.

I don't believe that's true of you, Joel.
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Mark_lynch (Mark_lynch)
Username: Mark_lynch

Registered: 03-2008
Posted From: 88.110.58.21
Posted on Friday, August 28, 2009 - 02:11 pm:   

but I get what you mean.
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Simon Bestwick (Simon_b)
Username: Simon_b

Registered: 10-2008
Posted From: 86.24.165.182
Posted on Friday, August 28, 2009 - 02:30 pm:   

Sorry to hear that, Tony.

Probably shouldn't mention that I work for an insurance company...
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Mark_lynch (Mark_lynch)
Username: Mark_lynch

Registered: 03-2008
Posted From: 88.110.58.21
Posted on Friday, August 28, 2009 - 02:32 pm:   

Begone, agent of the Devil!!!!!!!!
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Simon Bestwick (Simon_b)
Username: Simon_b

Registered: 10-2008
Posted From: 86.24.165.182
Posted on Friday, August 28, 2009 - 02:44 pm:   

I work for the Co-Op insurance. They're nice. :-)
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Gary Fry (Gary_fry)
Username: Gary_fry

Registered: 03-2008
Posted From: 86.26.90.161
Posted on Friday, August 28, 2009 - 02:55 pm:   

Co-op-ted by the bad guys!
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Ramsey Campbell (Ramsey)
Username: Ramsey

Registered: 03-2008
Posted From: 195.93.21.74
Posted on Friday, August 28, 2009 - 03:40 pm:   

I'm sorry to hear of the theft, Tony. I must say my experience of making an insurance claim after a burglary doesn't match Joel's - they paid the entire replacement cost. I suppose it's worth shopping around and scrutinising the excess that's built into various different policies.
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Craig (Craig)
Username: Craig

Registered: 03-2008
Posted From: 75.4.241.223
Posted on Friday, August 28, 2009 - 03:45 pm:   

I must say, I don't like insurance companies either... but in the end, it's the damned thief that stole Tony's bike, and it's damned doctors that won't treat people. Insurance is an imperfect crutch for a fallen world. In this world, for the most part, you're on your own....
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Chris_morris (Chris_morris)
Username: Chris_morris

Registered: 04-2008
Posted From: 12.165.240.116
Posted on Friday, August 28, 2009 - 03:58 pm:   

My sympathies, Tony. I'm dealing with my own insurance difficulties: health insurance. My four-year-old son had trouble speaking clearly and our doctor suggested speech therapy. We contacted our health insurance company, who pre-approved paying for the therapy, and then we began the treatment. Ten months into the treatment, we began getting bills from the therapist saying our insurance had stopped paying for the treatment. Apparently the insurance company had decided to reverse its decision to pay for my son's therapy, but hadn't seen fit to inform anyone of this new decision. In ignorance we had continued to send him to appointments, and now we owed the therapist $5000. We appealed to the insurance company to examine our case, which they did: we were informed last Saturday that our appeal had been declined. We owe the money and that's that. The great god Insurance had spoken.

I'm with Zed: Twats.
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Tony (Tony)
Username: Tony

Registered: 03-2008
Posted From: 86.153.149.114
Posted on Friday, August 28, 2009 - 04:15 pm:   

Is this in the uk? Thought such stuff was free.
I'm going to set up my own insurance company - just send me your money - a bit a month - and I'll keep it in a pot for you. It won't be much but you'll get it all.
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Tony (Tony)
Username: Tony

Registered: 03-2008
Posted From: 86.153.149.114
Posted on Friday, August 28, 2009 - 04:17 pm:   

Oh yes, it's the thieves, but this is added insult. We had another bike stolen a few weeks ago too, a cheapy we found for ten pound but then which needed 70 repairs. This is a lot of money for one month. But really - why don't they scrap the first hundred quid thing? Most damage or loss is about that much.
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Stephen Walsh (Stephenw)
Username: Stephenw

Registered: 03-2009
Posted From: 194.72.14.113
Posted on Friday, August 28, 2009 - 04:59 pm:   

I have no insurance for anything and not being married, a father, a homeowner or a driver don't need it nor believe in it.

Puts me faith in karma I do...

Hmmmm...... have I just defeated my own argument?
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Chris_morris (Chris_morris)
Username: Chris_morris

Registered: 04-2008
Posted From: 12.165.240.116
Posted on Friday, August 28, 2009 - 05:29 pm:   

>>Is this in the uk? Thought such stuff was free.

I wish. I'm in America, where the insurance companies (well, all wealthy industries, really) pay exorbitant fees to keep politicians away from their wrongdoing. All insurance is by definition legalized gambling, but only in America is it truly organized crime.
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Mick Curtis (Mick)
Username: Mick

Registered: 03-2008
Posted From: 86.177.173.198
Posted on Friday, August 28, 2009 - 05:37 pm:   

But really - why don't they scrap the first hundred quid thing? Most damage or loss is about that much.

I think you've answered your own question there unfortunately, Tony.
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Mick Curtis (Mick)
Username: Mick

Registered: 03-2008
Posted From: 86.177.173.198
Posted on Friday, August 28, 2009 - 05:40 pm:   

Having said that, a friend, who lives in Bristol, was burgled twice over a three year period - he lost things like iPods, a tv projector, an expensive camera, other electrical (and expensive) items and loads of CDs and DVDs. He's insured with Tesco, and each time they paid up in full, replacing everything with the same item, or a newer equivalent if the original was no longer available. He's a very honest chap, and didn't claim for anything he shouldn't have, so it's nice that in this instance the insurance folk were fine about it.
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Gcw (Gcw)
Username: Gcw

Registered: 03-2008
Posted From: 86.150.109.19
Posted on Friday, August 28, 2009 - 08:35 pm:   

Soozy's car was paid out for today...She got 10,500 for it - Which was the book price, so that was fair.

She still had to pay out to get an equal/better car.

I would like a minor cosmetic surgery (don't ask) for a botched operation by the NHS..The NHS won't do it, and my BUPA wouldn't cover it so it will have to be out of my pocket if I want it.

Cheers NHS...You can fuck it up, but you won't put it right.

gcw
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Mick Curtis (Mick)
Username: Mick

Registered: 03-2008
Posted From: 86.177.173.198
Posted on Friday, August 28, 2009 - 09:36 pm:   

Don't worry about it gcw - I think you look lovely with three arms.
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Mark_lynch (Mark_lynch)
Username: Mark_lynch

Registered: 03-2008
Posted From: 88.109.127.242
Posted on Friday, August 28, 2009 - 10:08 pm:   

And you can't see the back of your head, so no need to worry about it.
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Gcw (Gcw)
Username: Gcw

Registered: 03-2008
Posted From: 86.150.109.19
Posted on Friday, August 28, 2009 - 11:16 pm:   

you guyz...

gcw
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Karim Ghahwagi (Karim)
Username: Karim

Registered: 03-2008
Posted From: 80.163.6.13
Posted on Saturday, August 29, 2009 - 12:23 am:   

Tony: 'My youngest son has just had his bike stolen on his birthday; it was his birthday present, bought a few weeks earlier so as to enjoy the summer.'

I'm sorry they stole the bike :-( whatever then, the insurance claim turned out to be in the end. Makes you want to skin those fuckers. Take care of the rest with a blunt wooden spoon and blowtorch. I once caught a guy who had taken my bicycle two days after the fact. I stopped him in the street, he had the bike with him, and I just started talking very enthusiastically with them about nothing in particular. After about two or three minutes he probably realized, threw the bike aside and ran away very fast. And I got my bike back. I hope he got very disturbed by the optimistic chatter. See no violence also works, but a blowtorch would have been nice.
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Karim Ghahwagi (Karim)
Username: Karim

Registered: 03-2008
Posted From: 80.163.6.13
Posted on Saturday, August 29, 2009 - 12:33 am:   

And speaking of insurance, I've never insured my collection a) because if they're gone then I've already read them, and b) they'll take the TV and cd's, and not realize that the books are worth anything, and c) when I insure them, they'll probably get stolen or the house will burn down.
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Joel (Joel)
Username: Joel

Registered: 03-2008
Posted From: 91.110.170.138
Posted on Saturday, August 29, 2009 - 01:37 am:   

Karim, I asked if I could leave out the books when I insured my property. The insurance company said that was out of the question: it was everything or nothing. But from what Mick and Ramsey have said, it appears I just picked a crap insurance company.

I got burgled once, but the robber didn't appear to have found anything he wanted to take. Which is great as long as I don't think too deeply about it.
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Zed (Gary_mc)
Username: Gary_mc

Registered: 03-2008
Posted From: 81.96.240.106
Posted on Saturday, August 29, 2009 - 01:50 am:   

I stay awake at night hoping that a burglar will try to break into my house. It hasn't happened yet, but I live in hope. I have my excuse all worked out.
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Tony (Tony)
Username: Tony

Registered: 03-2008
Posted From: 86.153.149.114
Posted on Saturday, August 29, 2009 - 08:30 am:   

A follow-up weird phenomena - the reluctance of some shops to put an A4 poster asking for info about the stolen bike/asking thief to return it in their windows has met with an odd kind of look, like I'm somehow up to something. But what? I had a pang of understanding it, but it was too complex to disentangle. Strange.
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Tony (Tony)
Username: Tony

Registered: 03-2008
Posted From: 86.153.149.114
Posted on Saturday, August 29, 2009 - 08:33 am:   

Er, that post was shockingly badly written!
'the reluctance of some shops to put an A4 poster asking for info about the stolen bike/asking thief to return it in their windows' is ok, but then...Jeez.
'the REQUEST to put an A4 poster asking for info about the stolen bike/asking thief to return it in their windows has met with an odd kind of look, like I'm somehow up to something'
And here's me saying I write...
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Protodroid (Protodroid)
Username: Protodroid

Registered: 03-2008
Posted From: 89.19.83.252
Posted on Saturday, August 29, 2009 - 06:07 pm:   

I think it's so old-fashioned and uncynical (like an Ealing comedy) that they're not sure what to do with it. Sad, really.

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