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Hahahaha, Murphy's Law! When I speak to people about insurance and they whinge about premiums and whatnot, I usually say to them 'Everyone always curses under their breath about paying their premiums, but when something happens, the first thing they think is 'thank goodness I'm insured!''

With all respect sash, you should not be making these sorts of statements. Insurance is not a 'one size fits all' product. There are many many variables that go into determining the premium for insurance products.