jj50, I must admit I will not pay extra insurance on anything - I hate extra paperwork, and although I have fully comp insurance for my car and a annual travel ins., unless its a major cliam and I've never claimed even when I have had a claim - my time is too important to waste filling forms for anything under 100.

Also over the years I have found I have had cover for things, but becuase I did not understand it and no one mentioned it, I did not claim even though I could.

- Like the extended cover on the car. I had a major accident 5 weeks after I purchased the car. I had a hire car for 3 months, only to find my insurance company did not cover this. It was 2 years before I managed to recover it from the other insurance company and cost me a fortune in interest charges on my credit card. When I complained to the Salesman who wanted to replace my car years later, he informed me that my extended cover would have provided a free hire car, and the repairer - the same company should have pointed this out.

- A good friend of mine had her car repossed because she could not make the payments. She had payment insurance, but couldn't fill the forms out because she was in a Coma for 10 weeks, and by the time she got out of hospital it was too late!

Couldn't agree more LW - never claim for anything myself! The cover comes free though and the cards have been "temporarily" lost recently on a couple of occasions so thought I would take advantage of the deal. Seems to me there is always an excess or they up the premium next time!

Had same experience with car hire when old boy hit my car (and another car too)by coming up on the pavement and ramming us! I was told after the event that the car hire was not included and the chap had to be taken to court to get excesses back (which was only way to keep no claims bonus not affected!). It is crazy especially as the policeman said it was his 7th accident that month and they would have to have a word with his son!!!!!

little woman, I think you are being too simplistic. Have you ever queued at a Post Office? There must be another way.
What I find amazing is how despite numerous warnings people still give away their PIN details in emails. I think this is what the banks are fed up about.