I also know how insurance works and only ever take it out for the first year of their life. That gives me time to check they really are fit and healthy and anything else comes out of my pocket. I've never made a claim for any of them so experience tells me that it works for me. Never yet had a bill I couldn't afford. Plus I keep a 15k credit card available solely for their use should it ever be necessary.
‘Nudinits’ in a shop window - a charity fund-raiser, required to cover up!
Scottish political mess. Is Devolution working?
The majority of Israeli Jews do not want to occupy Gaza.