[Barrykgerdes]

Insurance is just a gamble. You need to make a contract with the insurance co and make sure it covers what you want. Have it drawn up by your solicitor. It will cost you more but at least you will know where you stand

They work on the same principle as the TAB and all those other gambling joints (come in sucker) you can't beat them at their game.

I have never had any bother and the last claim I made was for a fence that was destroyed when a tree fell over. The insurance company would only pay half the cost because I only owned half the fence and the neighbour had to claim for his half. He would not have a bar of that (pommy B) and I could have sued him but that was messy. The quotation was to replace four panels of fence and accepted by the insurance company, The contractor put in two new panels and straightened up the other two for the quote so I was not out of pocket. The tree incidently was on another neighbours property but it only did minor damage to that fence and he fixed it himself.

Barry