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.