My wife and I have a house and car in the UK and rent a furnished flat
in Spain where we spend a lot of time.
We remain UK resident.

Anyone know of a good insurance broker for
a. Insurance for trips abroad for up to 3 months with no return flight
booked.
b. Home insurance for the UK house which is unoccupied for up to 3
months at a time
c. Insurance for the car in the UK which is locked in the garage for up
to 3 months at a time and will probably not do more than 2,000 miles a year.

On Fri, 09 Nov 2012 14:43:56 +0100
Hugh - in either England or Spain wrote:

My wife and I have a house and car in the UK and rent a furnished
flat in Spain where we spend a lot of time.
We remain UK resident.

Anyone know of a good insurance broker for
a. Insurance for trips abroad for up to 3 months with no return
flight booked.
b. Home insurance for the UK house which is unoccupied for up to 3
months at a time
c. Insurance for the car in the UK which is locked in the garage for
up to 3 months at a time and will probably not do more than 2,000
miles a year.

The un-occupied house might be a real problem, unless you can get
somebody contracted to check it every other day or so.
You should be able to just have off-road insurance for the car. Should.
It might be worth taking the car to Spain and using it there.
--
Davey.

In article ,
Hugh - in either England or Spain writes:
My wife and I have a house and car in the UK and rent a furnished flat
in Spain where we spend a lot of time.
We remain UK resident.

Anyone know of a good insurance broker for
a. Insurance for trips abroad for up to 3 months with no return flight
booked.
b. Home insurance for the UK house which is unoccupied for up to 3
months at a time

http://www.intasure.com
They specialise in holiday homes and rental properties, and hence
they don't have the limitation that you can't be away for more than
30 days. They were cheaper than the standard home insurance which
was running on the property before. They have more recently also
started doing standard home insurance too.

Can't comment on what happens if you actually need to claim though.

c. Insurance for the car in the UK which is locked in the garage for up
to 3 months at a time and will probably not do more than 2,000 miles a year.

--
Andrew Gabriel
[email address is not usable -- followup in the newsgroup]

On Fri, 09 Nov 2012 14:43:56 +0100, Hugh - in either England or Spain
wrote:


b. Home insurance for the UK house which is unoccupied for up to 3
months at a time

While trying to sell a house of a deceased relative a few years ago,
after much searching, found nobody would cover if empty for more than
5 [?] weeks. Nobody.

On Sat, 10 Nov 2012 17:50:26 +0000, Simon Cee wrote:

On Fri, 09 Nov 2012 14:43:56 +0100, Hugh - in either England or Spain
wrote:


b. Home insurance for the UK house which is unoccupied for up to 3
months at a time

While trying to sell a house of a deceased relative a few years ago,
after much searching, found nobody would cover if empty for more than
5 [?] weeks. Nobody.

I was in a similar situation and I got cover. (It might take a while
to dig out the details but I can probably find them if they are
wanted.) One thing that you will almost certainly find is that the
property must be checked regularly - usually on a weekly basis. There
are property companies who will do this sort of thing for a fee. I
used the local odd-job man who had a set of keys for the property and
would pop in there for me on his way to other jobs.

For the benefit of people in the process of selling on behalf of a
deceased relative, whilst they obviously want to keep the cost as low
as possible, they don't want to cut corners to the point of neglect
and any reasonable costs may quite legitimately be paid by the estate.
For the benefit of people living part/full time overseas, whilst they
obviously want to keep the cost as low a possible, the inspection
which prevents voiding of the insurance is a small price to pay
compared to coming back to a house with unexpected new residents or
all the furniture gone.

Nick

Simon Cee wrote:
On Fri, 09 Nov 2012 14:43:56 +0100, Hugh - in either England or Spain
wrote:


b. Home insurance for the UK house which is unoccupied for up to 3
months at a time

While trying to sell a house of a deceased relative a few years ago,
after much searching, found nobody would cover if empty for more than
5 [?] weeks. Nobody.

When we went to sell my wife's 99 year old aunt's house after she went into
a home, we were warned about insurance problems if it was empty for too
long. As it had *never* been insured, it was hard to lose too much sleep
over it.

Tim

On 10/11/2012 19:20, Tim+ wrote:
Simon Cee wrote:
On Fri, 09 Nov 2012 14:43:56 +0100, Hugh - in either England or Spain
wrote:


b. Home insurance for the UK house which is unoccupied for up to 3
months at a time

While trying to sell a house of a deceased relative a few years ago,
after much searching, found nobody would cover if empty for more than
5 [?] weeks. Nobody.

When we went to sell my wife's 99 year old aunt's house after she went into
a home, we were warned about insurance problems if it was empty for too
long. As it had *never* been insured, it was hard to lose too much sleep
over it.

Tim


Thanks for the various replies so far.
The house is checked most weeks. the heating is on low, burglar alarm
functioning, varous lights on random switching etc.
I used to work in the insurance industry and didn't think it would be
easy. I will have to ask some of the other part time ex-pats out here
what they have arranged or whether they just chance it.

On Sat, 10 Nov 2012 19:49:20 +0100, Hugh - in either England or Spain
wrote:

On 10/11/2012 19:20, Tim+ wrote:
Simon Cee wrote:
On Fri, 09 Nov 2012 14:43:56 +0100, Hugh - in either England or Spain
wrote:


b. Home insurance for the UK house which is unoccupied for up to 3
months at a time

While trying to sell a house of a deceased relative a few years ago,
after much searching, found nobody would cover if empty for more than
5 [?] weeks. Nobody.

When we went to sell my wife's 99 year old aunt's house after she went into
a home, we were warned about insurance problems if it was empty for too
long. As it had *never* been insured, it was hard to lose too much sleep
over it.

Tim


Thanks for the various replies so far.
The house is checked most weeks. the heating is on low, burglar alarm
functioning, varous lights on random switching etc.
I used to work in the insurance industry and didn't think it would be
easy. I will have to ask some of the other part time ex-pats out here
what they have arranged or whether they just chance it.

If you used to work in the insurance industry you'll already have a
view on 'chancing it.'

Just a thought - your mention of expats triggered it. You might find
some advice on one of the British Expats forums.

http://britishexpats.com/forum/forumdisplay.php?f=7 is general chat

and

http://britishexpats.com/forum/forumdisplay.php?f=75 for Spain.

Nick

On 10/11/2012 20:08, Nick Odell wrote:
On Sat, 10 Nov 2012 19:49:20 +0100, Hugh - in either England or Spain
wrote:

On 10/11/2012 19:20, Tim+ wrote:
Simon Cee wrote:
On Fri, 09 Nov 2012 14:43:56 +0100, Hugh - in either England or Spain
wrote:


b. Home insurance for the UK house which is unoccupied for up to 3
months at a time

While trying to sell a house of a deceased relative a few years ago,
after much searching, found nobody would cover if empty for more than
5 [?] weeks. Nobody.

When we went to sell my wife's 99 year old aunt's house after she went into
a home, we were warned about insurance problems if it was empty for too
long. As it had *never* been insured, it was hard to lose too much sleep
over it.

Tim


Thanks for the various replies so far.
The house is checked most weeks. the heating is on low, burglar alarm
functioning, varous lights on random switching etc.
I used to work in the insurance industry and didn't think it would be
easy. I will have to ask some of the other part time ex-pats out here
what they have arranged or whether they just chance it.

If you used to work in the insurance industry you'll already have a
view on 'chancing it.'

Just a thought - your mention of expats triggered it. You might find
some advice on one of the British Expats forums.

http://britishexpats.com/forum/forumdisplay.php?f=7 is general chat

and

http://britishexpats.com/forum/forumdisplay.php?f=75 for Spain.

Nick

Cheers Nick

Should have thought of that myself

"Hugh - in either England or Spain" wrote in message
...
On 10/11/2012 19:20, Tim+ wrote:
Simon Cee wrote:
On Fri, 09 Nov 2012 14:43:56 +0100, Hugh - in either England or Spain
wrote:


b. Home insurance for the UK house which is unoccupied for up to 3
months at a time

While trying to sell a house of a deceased relative a few years ago,
after much searching, found nobody would cover if empty for more than
5 [?] weeks. Nobody.

When we went to sell my wife's 99 year old aunt's house after she went
into
a home, we were warned about insurance problems if it was empty for too
long. As it had *never* been insured, it was hard to lose too much sleep
over it.

Tim


Thanks for the various replies so far.
The house is checked most weeks. the heating is on low, burglar alarm
functioning, varous lights on random switching etc.
I used to work in the insurance industry and didn't think it would be
easy. I will have to ask some of the other part time ex-pats out here what
they have arranged or whether they just chance it.

I suspect that most of them don't realise that "bog standard" insurance
doesn't cover them.

Just like most people don't realise that an "annual" multi-trip travel
insurance policy doesn't cover you for one 12 month long trip (or even one 3
month long one).

tim

On Sat, 10 Nov 2012 19:36:31 -0000, "tim....."
wrote:

....Just like most people don't realise that an "annual" multi-trip travel
insurance policy doesn't cover you for one 12 month long trip (or even one 3
month long one).

But a "Backpackers" or "Gap Year" stylee policy will. Over 70s might
be too old but there are no other age restrictions on ones I've used
before.



Nick

"Nick Odell" wrote in message
news
On Sat, 10 Nov 2012 19:36:31 -0000, "tim....."
wrote:

....Just like most people don't realise that an "annual" multi-trip travel
insurance policy doesn't cover you for one 12 month long trip (or even one
3
month long one).

But a "Backpackers" or "Gap Year" stylee policy will.

well yeah

but at up to 10 times the cost

tim

"Nick Odell" wrote in message
...
On Sat, 10 Nov 2012 23:53:50 -0000, "tim....."
wrote:


"Nick Odell" wrote in message
news
On Sat, 10 Nov 2012 19:36:31 -0000, "tim....."
wrote:

....Just like most people don't realise that an "annual" multi-trip
travel
insurance policy doesn't cover you for one 12 month long trip (or even
one
3
month long one).

But a "Backpackers" or "Gap Year" stylee policy will.

well yeah

but at up to 10 times the cost

Ten times the cost of what?

A policy that will allow you to stay away all year is ten times the
price of a policy that won't be valid if you stay away for more than
thirty days but will allow you to stay away for up to thirty days many
times in a year?

I know they are different

my previous point was that they are lots that don't and make the mistake of
buying the wrong policy just because of the cost difference, not
understanding that it doesn't cover them

tim

"geoff" wrote in message
...
In message , tim.....
writes

"Hugh - in either England or Spain" wrote in
message ...
On 10/11/2012 19:20, Tim+ wrote:
Simon Cee wrote:
On Fri, 09 Nov 2012 14:43:56 +0100, Hugh - in either England or Spain
wrote:


b. Home insurance for the UK house which is unoccupied for up to 3
months at a time

While trying to sell a house of a deceased relative a few years ago,
after much searching, found nobody would cover if empty for more than
5 [?] weeks. Nobody.

When we went to sell my wife's 99 year old aunt's house after she went
into
a home, we were warned about insurance problems if it was empty for too
long. As it had *never* been insured, it was hard to lose too much
sleep
over it.

Tim


Thanks for the various replies so far.
The house is checked most weeks. the heating is on low, burglar alarm
functioning, varous lights on random switching etc.
I used to work in the insurance industry and didn't think it would be
easy. I will have to ask some of the other part time ex-pats out here
what they have arranged or whether they just chance it.

I suspect that most of them don't realise that "bog standard" insurance
doesn't cover them.

Just like most people don't realise that an "annual" multi-trip travel
insurance policy doesn't cover you for one 12 month long trip (or even one
3 month long one).


My philosophy is to only insure what you can't afford to lose

the trend is to get people to over insure them selves for every
possibility

In all my years of travel and expatmanship, basic bricks and mortar
insurance was all I needed. As for travel insurance - for what for
extended trips ? health insurance, the couple of times I've needed medical
attention (10 stitches in my arm when I impaled myself on a fence) the
cost didn't even exceed the policy excess

If I were to have died ? past caring

And if you are in a motor accident, perhaps not even of your fault?

You do know that compulsory third party insurance in many US states is
no-where near enough to pay for this, don't you.

tim

In message , tim.....
writes

"geoff" wrote in message
...
In message , tim.....
writes

"Hugh - in either England or Spain" wrote in
message ...
On 10/11/2012 19:20, Tim+ wrote:
Simon Cee wrote:
On Fri, 09 Nov 2012 14:43:56 +0100, Hugh - in either England or Spain
wrote:


b. Home insurance for the UK house which is unoccupied for up to 3
months at a time

While trying to sell a house of a deceased relative a few years ago,
after much searching, found nobody would cover if empty for more than
5 [?] weeks. Nobody.

When we went to sell my wife's 99 year old aunt's house after she
went into
a home, we were warned about insurance problems if it was empty for too
long. As it had *never* been insured, it was hard to lose too
much sleep
over it.

Tim


Thanks for the various replies so far.
The house is checked most weeks. the heating is on low, burglar
alarm functioning, varous lights on random switching etc.
I used to work in the insurance industry and didn't think it would
be easy. I will have to ask some of the other part time ex-pats out
here what they have arranged or whether they just chance it.

I suspect that most of them don't realise that "bog standard"
insurance doesn't cover them.

Just like most people don't realise that an "annual" multi-trip
travel insurance policy doesn't cover you for one 12 month long trip
even one 3 month long one).


My philosophy is to only insure what you can't afford to lose

the trend is to get people to over insure them selves for every
possibility

In all my years of travel and expatmanship, basic bricks and mortar
insurance was all I needed. As for travel insurance - for what for
extended trips ? health insurance, the couple of times I've needed
medical attention (10 stitches in my arm when I impaled myself on a
fence) the cost didn't even exceed the policy excess

If I were to have died ? past caring

And if you are in a motor accident, perhaps not even of your fault?

You do know that compulsory third party insurance in many US states is
no-where near enough to pay for this, don't you.


Indonesia, insurance ?

managed to avoid the states until now


--
geoff

On 11/11/2012 02:19, geoff wrote:
In message , tim.....
writes

"Hugh - in either England or Spain" wrote in
message ...
On 10/11/2012 19:20, Tim+ wrote:
Simon Cee wrote:
On Fri, 09 Nov 2012 14:43:56 +0100, Hugh - in either England or Spain
wrote:


b. Home insurance for the UK house which is unoccupied for up to 3
months at a time

While trying to sell a house of a deceased relative a few years ago,
after much searching, found nobody would cover if empty for more than
5 [?] weeks. Nobody.

When we went to sell my wife's 99 year old aunt's house after she
went into
a home, we were warned about insurance problems if it was empty for too
long. As it had *never* been insured, it was hard to lose too much
sleep
over it.

Tim


Thanks for the various replies so far.
The house is checked most weeks. the heating is on low, burglar alarm
functioning, varous lights on random switching etc.
I used to work in the insurance industry and didn't think it would be
easy. I will have to ask some of the other part time ex-pats out here
what they have arranged or whether they just chance it.

I suspect that most of them don't realise that "bog standard"
insurance doesn't cover them.

Just like most people don't realise that an "annual" multi-trip travel
insurance policy doesn't cover you for one 12 month long trip (or even
one 3 month long one).


My philosophy is to only insure what you can't afford to lose

the trend is to get people to over insure them selves for every possibility

In all my years of travel and expatmanship, basic bricks and mortar
insurance was all I needed. As for travel insurance - for what for
extended trips ? health insurance, the couple of times I've needed
medical attention (10 stitches in my arm when I impaled myself on a
fence) the cost didn't even exceed the policy excess

If I were to have died ? past caring

As for drain insurance, insurance that covers your radiators etc - money
for old rope for the insurers


Can't afford to replace the house but happy to carry a 4 figure excess.
Can't afford £20,000 to repatriate one of us if we have a nasty accident.
EHIC covers emergency treatment but not ongoing costs if you end up in a
long term coma.
Again I am happy to carry hefty excesses but not to carry the small
catastrophe risk.

In message , Hugh - in either England or
Spain writes
On 11/11/2012 02:19, geoff wrote:
In message , tim.....
writes

"Hugh - in either England or Spain" wrote in
message ...
On 10/11/2012 19:20, Tim+ wrote:
Simon Cee wrote:
On Fri, 09 Nov 2012 14:43:56 +0100, Hugh - in either England or Spain
wrote:


b. Home insurance for the UK house which is unoccupied for up to 3
months at a time

While trying to sell a house of a deceased relative a few years ago,
after much searching, found nobody would cover if empty for more than
5 [?] weeks. Nobody.

When we went to sell my wife's 99 year old aunt's house after she
went into
a home, we were warned about insurance problems if it was empty for too
long. As it had *never* been insured, it was hard to lose too much
sleep
over it.

Tim


Thanks for the various replies so far.
The house is checked most weeks. the heating is on low, burglar alarm
functioning, varous lights on random switching etc.
I used to work in the insurance industry and didn't think it would be
easy. I will have to ask some of the other part time ex-pats out here
what they have arranged or whether they just chance it.

I suspect that most of them don't realise that "bog standard"
insurance doesn't cover them.

Just like most people don't realise that an "annual" multi-trip travel
insurance policy doesn't cover you for one 12 month long trip (or even
one 3 month long one).


My philosophy is to only insure what you can't afford to lose

the trend is to get people to over insure them selves for every possibility

In all my years of travel and expatmanship, basic bricks and mortar
insurance was all I needed. As for travel insurance - for what for
extended trips ? health insurance, the couple of times I've needed
medical attention (10 stitches in my arm when I impaled myself on a
fence) the cost didn't even exceed the policy excess

If I were to have died ? past caring

As for drain insurance, insurance that covers your radiators etc - money
for old rope for the insurers


Can't afford to replace the house but happy to carry a 4 figure excess.
Can't afford £20,000 to repatriate one of us if we have a nasty accident.
EHIC covers emergency treatment but not ongoing costs if you end up in
a long term coma.
Again I am happy to carry hefty excesses but not to carry the small
catastrophe risk.

exactly

--
geoff

On Fri, 09 Nov 2012 14:43:56 +0100, Hugh - in either England or Spain
wrote:

c. Insurance for the car in the UK which is locked in the garage for up
to 3 months at a time and will probably not do more than 2,000 miles a year.

Footman James used to offer exactly that kind of cover for laid-up
classics - talk to them, they might do it for you, but its a faff
chopping and changing cover every three months.
FJ might be prepared to do a policy which will let you drive and
lay-up at will for an agreed fee, without the need to change status.

On 09/11/2012 13:43, Hugh - in either England or Spain wrote:
My wife and I have a house and car in the UK and rent a furnished flat
in Spain where we spend a lot of time.
We remain UK resident.

Anyone know of a good insurance broker for
a. Insurance for trips abroad for up to 3 months with no return flight
booked.
b. Home insurance for the UK house which is unoccupied for up to 3
months at a time
c. Insurance for the car in the UK which is locked in the garage for up
to 3 months at a time and will probably not do more than 2,000 miles a
year.


When I had to insure an empty do-er upper house a few years ago I had
the same issue - I used www.ocaso.co.uk. T&Cs and cost weren't
prohibitive IIRC, but may be different now. Worth a looksee at least?

David

On 12/11/2012 08:45, Lobster wrote:
On 09/11/2012 13:43, Hugh - in either England or Spain wrote:
My wife and I have a house and car in the UK and rent a furnished flat
in Spain where we spend a lot of time.
We remain UK resident.

Anyone know of a good insurance broker for
a. Insurance for trips abroad for up to 3 months with no return flight
booked.
b. Home insurance for the UK house which is unoccupied for up to 3
months at a time
c. Insurance for the car in the UK which is locked in the garage for up
to 3 months at a time and will probably not do more than 2,000 miles a
year.


When I had to insure an empty do-er upper house a few years ago I had
the same issue - I used www.ocaso.co.uk. T&Cs and cost weren't
prohibitive IIRC, but may be different now. Worth a looksee at least?

David

Many thanks Grimly and Lobster.

Car is an MX5 and not classic yet but I will see what they can do at
renewal.
House I need to sort out when I go back to the UK next week.

"geoff" wrote in message
...
In message , Hugh - in either England or Spain
writes
On 11/11/2012 02:19, geoff wrote:
In message , tim.....
writes

"Hugh - in either England or Spain" wrote in
message ...
On 10/11/2012 19:20, Tim+ wrote:
Simon Cee wrote:
On Fri, 09 Nov 2012 14:43:56 +0100, Hugh - in either England or
Spain
wrote:


b. Home insurance for the UK house which is unoccupied for up to 3
months at a time

While trying to sell a house of a deceased relative a few years ago,
after much searching, found nobody would cover if empty for more
than
5 [?] weeks. Nobody.

When we went to sell my wife's 99 year old aunt's house after she
went into
a home, we were warned about insurance problems if it was empty for
too
long. As it had *never* been insured, it was hard to lose too much
sleep
over it.

Tim


Thanks for the various replies so far.
The house is checked most weeks. the heating is on low, burglar alarm
functioning, varous lights on random switching etc.
I used to work in the insurance industry and didn't think it would be
easy. I will have to ask some of the other part time ex-pats out here
what they have arranged or whether they just chance it.

I suspect that most of them don't realise that "bog standard"
insurance doesn't cover them.

Just like most people don't realise that an "annual" multi-trip travel
insurance policy doesn't cover you for one 12 month long trip (or even
one 3 month long one).


My philosophy is to only insure what you can't afford to lose

the trend is to get people to over insure them selves for every
possibility

In all my years of travel and expatmanship, basic bricks and mortar
insurance was all I needed. As for travel insurance - for what for
extended trips ? health insurance, the couple of times I've needed
medical attention (10 stitches in my arm when I impaled myself on a
fence) the cost didn't even exceed the policy excess

If I were to have died ? past caring

As for drain insurance, insurance that covers your radiators etc - money
for old rope for the insurers


Can't afford to replace the house but happy to carry a 4 figure excess.
Can't afford £20,000 to repatriate one of us if we have a nasty accident.
EHIC covers emergency treatment but not ongoing costs if you end up in a
long term coma.
Again I am happy to carry hefty excesses but not to carry the small
catastrophe risk.

exactly

If you think this proves your point, then you mis-understand

tim

In message , tim.....
writes


Just like most people don't realise that an "annual" multi-trip travel
insurance policy doesn't cover you for one 12 month long trip (or even
one 3 month long one).


My philosophy is to only insure what you can't afford to lose

the trend is to get people to over insure them selves for every
possibility

In all my years of travel and expatmanship, basic bricks and mortar
insurance was all I needed. As for travel insurance - for what for
extended trips ? health insurance, the couple of times I've needed
medical attention (10 stitches in my arm when I impaled myself on a
fence) the cost didn't even exceed the policy excess

If I were to have died ? past caring

As for drain insurance, insurance that covers your radiators etc - money
for old rope for the insurers


Can't afford to replace the house but happy to carry a 4 figure excess.
Can't afford £20,000 to repatriate one of us if we have a nasty accident.
EHIC covers emergency treatment but not ongoing costs if you end up
in a long term coma.
Again I am happy to carry hefty excesses but not to carry the small
catastrophe risk.

exactly

If you think this proves your point, then you mis-understand


Where did I say that ?

I would agree that I have been underinsured at times, but I'm a firm
believer in only insuring that which I cannot afford to replace or pay
out for
--
geoff

"geoff" wrote in message
...
In message , tim.....
writes


Just like most people don't realise that an "annual" multi-trip
travel
insurance policy doesn't cover you for one 12 month long trip (or
even
one 3 month long one).


My philosophy is to only insure what you can't afford to lose

the trend is to get people to over insure them selves for every
possibility

In all my years of travel and expatmanship, basic bricks and mortar
insurance was all I needed. As for travel insurance - for what for
extended trips ? health insurance, the couple of times I've needed
medical attention (10 stitches in my arm when I impaled myself on a
fence) the cost didn't even exceed the policy excess

If I were to have died ? past caring

As for drain insurance, insurance that covers your radiators etc -
money
for old rope for the insurers


Can't afford to replace the house but happy to carry a 4 figure excess.
Can't afford £20,000 to repatriate one of us if we have a nasty
accident.
EHIC covers emergency treatment but not ongoing costs if you end up in a
long term coma.
Again I am happy to carry hefty excesses but not to carry the small
catastrophe risk.

exactly

If you think this proves your point, then you mis-understand


Where did I say that ?

I would agree that I have been underinsured at times, but I'm a firm
believer in only insuring that which I cannot afford to replace or pay
out for

Sorry I got confused with the threading

you weren't the person who made the point that I thought I was replying to
(and I can't now work out what that was)

tim


--
geoff

On 12/11/2012 19:45, geoff wrote:
In message , tim.....
writes


Just like most people don't realise that an "annual" multi-trip
travel
insurance policy doesn't cover you for one 12 month long trip (or
even
one 3 month long one).


My philosophy is to only insure what you can't afford to lose

the trend is to get people to over insure them selves for every
possibility

In all my years of travel and expatmanship, basic bricks and mortar
insurance was all I needed. As for travel insurance - for what for
extended trips ? health insurance, the couple of times I've needed
medical attention (10 stitches in my arm when I impaled myself on a
fence) the cost didn't even exceed the policy excess

If I were to have died ? past caring

As for drain insurance, insurance that covers your radiators etc -
money
for old rope for the insurers


Can't afford to replace the house but happy to carry a 4 figure excess.
Can't afford £20,000 to repatriate one of us if we have a nasty
accident.
EHIC covers emergency treatment but not ongoing costs if you end up
in a long term coma.
Again I am happy to carry hefty excesses but not to carry the small
catastrophe risk.

exactly

If you think this proves your point, then you mis-understand


Where did I say that ?

I would agree that I have been underinsured at times, but I'm a firm
believer in only insuring that which I cannot afford to replace or pay
out for

As I have already said - I would go with that. However I worked for an
insurance company for 36 years and unless lots of people buy lots of
insurance how is the commpany going to top up the pension fund?
If I can't afford to own a house in the UK and rent in Spain my question
would not exist, the thread would not exist and the whole NG structure
might collapse.

On Mon, 12 Nov 2012 10:58:13 +0100, Hugh - in either England or Spain
wrote:

Car is an MX5 and not classic yet

....and never will be

Might be worth seeing if there are any arrangements through an owners club,
certainly for other makes specialist insurers offer off the road cover and even
'bag of bits under restoration cover' at quite reasonable prices.

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