Nanny Knows Best

Nanny Knows Best
Dedicated to exposing, and resisting, the all pervasive nanny state that is corroding the way of life and the freedom of the people of Britain.

Thursday, May 21, 2015

The Joys of Insurance


In this risk averse age I am always gemused that people, councils etc rush to insure themselves against all and sundry fates. Yet the insurance companies themselves do all they can to avoid paying out when misfortune strikes.

One would be tempted to ask what is the farking point of insurance?

On that note I was particularly gemused to read the terms and conditions of a travel insurance policy, specifically the very limited number of circumstances under which the insurance firm would pay out to cover costs if the trip were cancelled.

In essence there are very few circumstances under which the company would cover cancellation costs. However, they do generously cede that the death of the insured traveller pre departure is one circumstance that would justify payout for a cancelled trip!

Don't you just love insurance companies?

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2 comments:

  1. Anonymous10:41 AM

    There was a time when Insurance Companies employed actuaries who assessed risk and set premiums accordingly.

    It seems that nowadays premiums are set by accountants and marketing managers on the basis of ‘how much can we get away with charging’.

    ReplyDelete
  2. Lord of Atlantis2:05 PM

    "Don't you just love insurance companies?"

    No, Ken, I do NOT!

    Anonymous said: "It seems that nowadays premiums are set by accountants and marketing managers on the basis of ‘how much can we get away with charging’?"

    And how can we stuff the suckers, er sorry, our customers, even further by finding as many excuses as we can get away with for refusing to pay out on genuine insurance claims!

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