Comments on: Insurance – what a scam! http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/ Vegetable Fruit & Herb Growing on my Allotment Sat, 20 Mar 2010 14:33:56 +0000 hourly 1 By: pam http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/#comment-5906 pam Fri, 05 Mar 2010 15:45:20 +0000 http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/#comment-5906 Hi yes insurance is a gamble but when you keep getting your allotment shed broken into and loosing rotivator/spades etc I am realy thinking about getting insurance as in the long run it will be cheaper Hi yes insurance is a gamble but when you keep getting your allotment shed broken into and loosing rotivator/spades etc I am realy thinking about getting insurance as in the long run it will be cheaper

]]> By: Tim http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/#comment-5045 Tim Tue, 24 Mar 2009 21:27:09 +0000 http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/#comment-5045 You have touched on my job and hobby! I work in insurance and I love horse racing! Like Will I self insure for a number of things, pet insurance for example. I think your example of the claim shows the bad side of the insurance industry. The only thing I would add is that if you think gambling is less 'tricky' you haven't met my turf accountant! You have touched on my job and hobby!

I work in insurance and I love horse racing!

Like Will I self insure for a number of things, pet insurance for example. I think your example of the claim shows the bad side of the insurance industry.

The only thing I would add is that if you think gambling is less ‘tricky’ you haven’t met my turf accountant!

]]> By: Ayesha Wilkinson http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/#comment-4097 Ayesha Wilkinson Thu, 03 Jul 2008 17:07:06 +0000 http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/#comment-4097 Just reading your comments about Allotment Insurance. Unfortunately nowdays the world has gone mad, but more and more councils are recommending that people have their own allotment insurance on their plot. Councils insurance almost always only covers pathways, boundries and fences. The SWCAA (Southwest Counties Allotment Association) is a new not for profit organisation set up to promote and protect our precious allotment sites. As part of our service we offer INDIVIDUALS Pulic and Product Liability Insurance cover for up to 5 million pounds for just £2 per person per year. A small price for piece of mind in today's crazy world. If your interested have a look at our website www.allotmentssouthwest.org.uk/insurance.htm Just reading your comments about Allotment Insurance. Unfortunately nowdays the world has gone mad, but more and more councils are recommending that people have their own allotment insurance on their plot. Councils insurance almost always only covers pathways, boundries and fences. The SWCAA (Southwest Counties Allotment Association) is a new not for profit organisation set up to promote and protect our precious allotment sites. As part of our service we offer INDIVIDUALS Pulic and Product Liability Insurance cover for up to 5 million pounds for just £2 per person per year.
A small price for piece of mind in today’s crazy world. If your interested have a look at our website http://www.allotmentssouthwest.org.uk/insurance.htm

]]> By: Ken Chapman http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/#comment-2327 Ken Chapman Fri, 09 Nov 2007 20:27:11 +0000 http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/#comment-2327 John, Point taken! I just thought you might like some feedback - didn't realise I had touched a raw nerve. John,
Point taken! I just thought you might like some feedback – didn’t realise I had touched a raw nerve.

]]> By: John http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/#comment-2267 John Thu, 01 Nov 2007 09:25:14 +0000 http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/#comment-2267 Totally agree with you Will, insuring risks you can underwrite yourself is rarely sensible. Ken, this is my site. I pay for it and I'll put what I like on it. If you don't want to read something then don't - there's always a digest to say what any post is about. Relevant to allotments? When a parish council (West Monkton)is trying to get the plotholders to buy public liability insurance at £80 pa it's relevant. When you try and insure the contents of your shed it's relevant and when we have to pay £40 a year for PLI for our NVS meetings held in a pub or a member's house it's relevant. Totally agree with you Will, insuring risks you can underwrite yourself is rarely sensible.
Ken, this is my site. I pay for it and I’ll put what I like on it. If you don’t want to read something then don’t – there’s always a digest to say what any post is about.
Relevant to allotments? When a parish council (West Monkton)is trying to get the plotholders to buy public liability insurance at £80 pa it’s relevant. When you try and insure the contents of your shed it’s relevant and when we have to pay £40 a year for PLI for our NVS meetings held in a pub or a member’s house it’s relevant.

]]> By: Ken Chapman http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/#comment-2266 Ken Chapman Thu, 01 Nov 2007 03:53:22 +0000 http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/#comment-2266 I sometimes visit this site to see what is happening in the world of allotments but I really fail to see what insurance has to do with gardening - I am really not interested in your rants and raves about whatever has given you indigestion today! I think I would rather get some more informed comments from a more specialist site if I wanted to. Perhaps people who have dedicated sites maybe run out of ideas, want to try and extend their site into current affairs or whatever - just stick to what you think you know and I for one will visit more often. I sometimes visit this site to see what is happening in the world of allotments but I really fail to see what insurance has to do with gardening – I am really not interested in your rants and raves about whatever has given you indigestion today! I think I would rather get some more informed comments from a more specialist site if I wanted to. Perhaps people who have dedicated sites maybe run out of ideas, want to try and extend their site into current affairs or whatever – just stick to what you think you know and I for one will visit more often.

]]> By: Will http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/#comment-2264 Will Wed, 31 Oct 2007 21:30:09 +0000 http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/#comment-2264 John - you get what you pay for - go with the cheapest quote and you'll have problems come claim time. Pay a bit more and go with a reputable company and you'll be fine. Obviously an insurance company will await Police/ Fire Service reports; check rebuilding costs etc but 6 yrs does seem wildly excessive - shd have got a Solicitor to 'hurry' them up. I do agree with you re: the sorts of insurance that is offered when you take out a loan or for when you boiler breaks down etc - that is a rip off! And never go thru a broker if you can avoid it - 80% of yr premium will go to the broker and only 20% to the Ins Co - almost always better off to go direct to the insurance co themselves. As you say insurance is abt balancing the risks so if you've taken every precaution you shd think to yrself "Wld I be better off just putting this money in the bank each year and 'underwriting ' the risk myself?" If you have a loss then you use the money you wld have paid in insurance prems to replace your loss - I wldnt apply this to building insurance though - contents maybe! Love the site - keep up the good work. John – you get what you pay for – go with the cheapest quote and you’ll have problems come claim time. Pay a bit more and go with a reputable company and you’ll be fine. Obviously an insurance company will await Police/ Fire Service reports; check rebuilding costs etc but 6 yrs does seem wildly excessive – shd have got a Solicitor to ‘hurry’ them up. I do agree with you re: the sorts of insurance that is offered when you take out a loan or for when you boiler breaks down etc – that is a rip off! And never go thru a broker if you can avoid it – 80% of yr premium will go to the broker and only 20% to the Ins Co – almost always better off to go direct to the insurance co themselves. As you say insurance is abt balancing the risks so if you’ve taken every precaution you shd think to yrself “Wld I be better off just putting this money in the bank each year and ‘underwriting ‘ the risk myself?” If you have a loss then you use the money you wld have paid in insurance prems to replace your loss – I wldnt apply this to building insurance though – contents maybe!

Love the site – keep up the good work.

]]> By: John http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/#comment-2261 John Wed, 31 Oct 2007 08:39:31 +0000 http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/#comment-2261 Excellent site that, yes I've seen it :) Excellent site that, yes I’ve seen it :)

]]> By: James Dougan http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/#comment-2260 James Dougan Tue, 30 Oct 2007 20:23:49 +0000 http://www.allotment.org.uk/garden-diary/153/insurance-what-a-scam/#comment-2260 Have you tried Martin Lewis' site? http://www.moneysavingexpert.com/ Have you tried Martin Lewis’ site?
http://www.moneysavingexpert.com/

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