Insurance woes…
What I’d give to live back in the day. Back in the day things were so much simpler. For example, you could do almost anything without a license, and besides that, if you did need a license it was pretty much handed out. There were a few draw-backs, of course – the Plague, all kinds of other horrible diseases and worst of all no internet! – but in the main it seems to me like it was an easier time.
One thing which was easy was insurance: as in there wasn’t any. Nowadays you have to have everything insured. You even have to have your insurance insured by other things just in case! To my mind that’s pretty much ridiculous.
Back in the day – if we’re talking caravans, for example – you just made a caravan out of wood. Let’s say that in a time before caravans you wanted an additional compartment to your horse-drawn carriage. Simple! You just made one out of any old wood you could find and attached it and drove away. After that, you’d only ever get in trouble if you murdered someone. I’m sure that getting in trouble for not being insured back then was virtually unheard of.
In short, you have to have it and you have no choice. There’s no point in complaining about it either, because of course that won’t do any good at all.
Nowadays Caravan insurance is a completely different story. You’ll want to have it just in case your caravan gets burned down by youth – which would have been something to laugh at the impossibility of if we hadn’t just experienced the worst riots in history – and you can’t go on holiday. You’ll also need to have it for legal reasons. In short, you have to have it and you have no choice. There’s no point in complaining about it either, because of course that won’t do any good at all.
The future of insurance, I hope, is going to be better than it has been (and let’s face it…in terms of spending stupid money on premiums it’s unlikely, I think, to get a whole lot worse any time soon). Who knows, maybe the insurance companies will get so fed up with their job that they’ll just all close down and leave us alone to revert back to how it used to be.
Then again…I’m not going to hold my breath. We live in an age of make-money-out-of-anything. That means we have to accept that although things can be really lucrative for us, they can also be a total nightmare (not that we’ll forget that in a hurry).
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