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The rich know what is a scam and what isn't. That's why they are rich i suppose. I'm not rich (whats the definition of rich?) but i'm doing ok and I hardly insure anything. Have building & contents insurance on my house, 3rd party on my car, none for my bike. Of course, landlord insurance for...

I have a friend who is an insurance broker. He told me the majority of people are way over insured (considering the premium to risk ratio or however they work it out) and the insurance industry knows this. And loves it.