Random Musings Page 1364

  • Decks Best Forumite, 2016 6 Sep 2019 11:18:42 20,717 posts
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    You can get insurance for like a tenner or something. Why risk it?
  • smoothpete 6 Sep 2019 11:19:50 35,964 posts
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    If we go to the US I definitely get insurance. Anything goes wrong and you're bankrupt.
  • wuntyphyve 6 Sep 2019 11:21:03 12,668 posts
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    Decks wrote:
    You can get insurance for like a tenner or something. Why risk it?
    Because I'm a stingy bastard. I think I will going forward though, I'm no spring chicken now.
  • nickthegun 6 Sep 2019 11:32:59 78,544 posts
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    smoothpete wrote:
    If we go to the US I definitely get insurance. Anything goes wrong and you're bankrupt.
    My gran fell and broke her collar bone in Florida about 15 years ago. Luckily, she was insured but the transcript from her stay in hospital was genuinely astonishing, it's like they make up the numbers as they go along.

    I mean, it's 'just' a break but she managed to rack up $46k in a week.
  • nickthegun 6 Sep 2019 11:34:10 78,544 posts
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    Decks wrote:
    You can get insurance for like a tenner or something. Why risk it?
    And, yeah, this is it. It's really cheap. I get mine 'free' with my bank account.
  • GuybrushFreepwood 6 Sep 2019 11:37:44 1,266 posts
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    I get worldwide insurance with my bank for £15 a month. That also includes mobile cover and car breakdown cover. I'd never consider going on holiday without it.

    Really tough for his family in every way.
  • Alastair 6 Sep 2019 11:38:22 23,764 posts
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    nickthegun wrote:
    Decks wrote:
    You can get insurance for like a tenner or something. Why risk it?
    And, yeah, this is it. It's really cheap. I get mine 'free' with my bank account.
    I have the same account (I think). Never looked into the travel insurance too closely.
    The mobile phone cover seems to work OK - I've had two screens replaced with little hassle.
  • TheSaint 6 Sep 2019 11:41:02 18,756 posts
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    You'd be crazy not to get travel insurance, especially when going abroad. I must have had to claim on it half a dozen times in the last ten years for various reasons and I'd be thousands out of pocket without it.

    For example, we were going to Berlin for Christmas last year and BA cancelled our flight and couldn't get us on another one until a couple of days later. A quick call to the travel insurance and they refunded our hotel and then we just booked a new one for the revised dates.
  • Decks Best Forumite, 2016 6 Sep 2019 11:50:34 20,717 posts
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    nickthegun wrote:
    smoothpete wrote:
    If we go to the US I definitely get insurance. Anything goes wrong and you're bankrupt.
    My gran fell and broke her collar bone in Florida about 15 years ago. Luckily, she was insured but the transcript from her stay in hospital was genuinely astonishing, it's like they make up the numbers as they go along.

    I mean, it's 'just' a break but she managed to rack up $46k in a week.
    Around $1200 to ring an ambulance if you don't have insurance apparently.
  • Load_2.0 6 Sep 2019 12:46:34 29,765 posts
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    I get insurance now but I didn't bother in my 20's or 30's.

    Looking back definitely got lucky on many occasions.
  • JamboWayOh 6 Sep 2019 12:54:06 14,721 posts
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    I remember when I had my tumour removed and the surgeon regaled with the process in which it would be removed in the states in order for them to maximise the amount of money they could receive from the insurance providers.
  • Load_2.0 6 Sep 2019 13:10:16 29,765 posts
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    Before it gained sentience, moved to Switzerland and got into Nintendo and Katie Melua.
  • JamboWayOh 6 Sep 2019 13:11:03 14,721 posts
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    Ha, I just got that.
  • Addy__ 6 Sep 2019 13:17:14 1,432 posts
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    @wuntyphyve

    Cheers dude. Yeah it's a horrible time at the moment. Kind of still in shock with it all. I rejoined facebook so I can have a chat with other old friends and maybe arrange a bit of a meetup. Just makes me realise how much more I want to stay in contact with certain people.
  • wuntyphyve 6 Sep 2019 13:21:17 12,668 posts
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    @Addy__ Yeah I can relate to that man. I even made a more concerted effort (as I realised how lax I had become) to keep in contact and meet old friends more regularly. Time passes and you don't spend enough time sometimes with those you should.
  • JamboWayOh 6 Sep 2019 13:23:11 14,721 posts
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    Load_2.0 wrote:
    Before it gained sentience, moved to Switzerland and got into Nintendo and Katie Melua.
    And the barnstorming music of James.
  • Addy__ 6 Sep 2019 13:42:54 1,432 posts
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    JamboWayOh wrote:
    Load_2.0 wrote:
    Before it gained sentience, moved to Switzerland and got into Nintendo and Katie Melua.
    And the barnstorming music of James.
    Unfortunately it's cooking module never installed properly.
  • Dombat 6 Sep 2019 14:04:51 1,635 posts
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    Sorry to hear about that Addy. Using this thread as a lesson to make sure I get travel insurance in the future (something I always think about but generally haven't bothered with).
  • Dougs 6 Sep 2019 14:11:32 90,230 posts
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    It's a no brainer for me. Even with a couple of pre-existing conditions in the family, it's only £20. Less than a tenner normally I'd guess
  • mothercruncher 6 Sep 2019 18:40:06 16,474 posts
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    Whoah whoah sweet child(s) of mine- I can get on board with the paedo thing, we've all been there, but he likes Katie Twenty Zillion Fucking Bicycles Melua???!?
  • fontgeeksogood 6 Sep 2019 22:39:50 6,762 posts
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    That song was the inspiration for his regular travel to China
  • elstoof 7 Sep 2019 06:36:27 23,932 posts
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    TheSaint wrote:
    You'd be crazy not to get travel insurance, especially when going abroad.
    What other times would you need to get travel insurance?

    Edited by elstoof at 07:19:56 07-09-2019
  • elstoof 7 Sep 2019 07:30:04 23,932 posts
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    Check your bank account benefits, mortgage provider, credit card companies etc before buying travel cover you might already be paying for insurance that you don’t know about. Of all the shit they chuck in to justify the annual fee for a fancy card (anyone here flashed their HSBC Jade card to get into the lounge at Southend Airport?), the travel cover is actually good in that you don’t ever have to think about it any more
  • Psychotext 7 Sep 2019 10:13:07 65,469 posts
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    I have it with my Amex, but I still have a stand-alone policy that's got far more comprehensive cover.
  • TheSaint 7 Sep 2019 10:21:30 18,756 posts
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    elstoof wrote:
    TheSaint wrote:
    You'd be crazy not to get travel insurance, especially when going abroad.
    What other times would you need to get travel insurance?
    It covers trips within the Uk as well. Maybe not as necessary but still useful.

    Edited by TheSaint at 10:23:10 07-09-2019
  • sport 7 Sep 2019 10:21:47 15,182 posts
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    Yeah, I have it on my Taste Card.
  • ChocNut 7 Sep 2019 10:24:56 2,465 posts
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    TheSaint wrote:
    You'd be crazy not to get travel insurance, especially when going abroad. I must have had to claim on it half a dozen times in the last ten years for various reasons and I'd be thousands out of pocket without it.

    For example, we were going to Berlin for Christmas last year and BA cancelled our flight and couldn't get us on another one until a couple of days later. A quick call to the travel insurance and they refunded our hotel and then we just booked a new one for the revised dates.
    Shouldn’t BA pay for the hotel? Our airline made a mistake (connecting flight flew off and our plane was slow to land due to a sand storm) and they arranged visas and hotel stay.
  • Psychotext 7 Sep 2019 10:26:29 65,469 posts
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    Depends on the reason for the cancellation.
  • TheSaint 7 Sep 2019 11:39:55 18,756 posts
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    They wouldn’t cover the hotel we’d booked as it wasn’t part of a package. I guess they might have put us up at the airport but we just went home. Managed to get compensation after a bit of a fight though that was more than the flights cost.

    Free flight \o/
  • dominalien 7 Sep 2019 15:24:14 9,233 posts
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    The one time I didn’t get a sports insurance when going skiing I went and broke my knee. Luckily, the insurance that came with my bank account paid up for that.

    All the insurances we (as a group of people who go skiing a couple of times a year) have bought for over the years have paid for themselves many times over. No serious accidents, but xrays, illnesses, bruises, all the small stuff would have cost a fortune.
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