Fully Insured

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Who is this Button for?

People and pet animals comprehensively covered by premium insurance policies.[1]

Victims of 'What if? Merchants' - also known as insurance salespeople.

Fraudsters who don’t think ‘exaggerated claims’ are a criminal offence. [2]

Provocative Suggestions

Never make an actual claim; insurance companies don’t like it and will punish you severely by skyrocketing your premiums.

Increase your life insurance to the max; your loved ones may miss you, but there is solace in hard cash.[3]

In our risk averse society it is certainly better to be safe than sorry.[4]


There are worse things in life than death. Have you ever spent an evening with an insurance salesman?

(Woody Allen)

The Act of God[5] designation on all insurance policies; which means, roughly, that you cannot be insured for the accidents that are most likely to happen to you.

(Alan Coren)

Insurance - an ingenious modern game of chance in which the player is permitted to enjoy the comfortable conviction that he is beating the man who keeps the table.

(Ambrose Bierce)

Something to consider

Self-assurance is as important as any insurance.



  1. Including fire, theft, household accidents, personal injury, cars (always go for the most expensive option here, especially with rental cars), unemployment, malpractice insurance (especially for doctors), travel, war, alien abduction and of course medical insurance for you and all your pets. This list is far from comprehensive but your broker/s will fill in the gaps. Ask him/her also to insure you against as many ‘Acts of God’ as possible.
  2. After all, insurance companies employ actuaries, who include people like you when assessing risk and calculating premiums for you and (unfortunately) the rest of us.
  3. 'Americans have an abiding belief in their ability to control reality by purely material means... airline insurance replaces the fear of death with the comforting prospect of cash.' (Cecil Beaton)
  4. All encapsulated truths (aka cliches) are obviously valuable life lessons.
  5. Insurance companies should consider themselves fortunate that God has a thick skin and doesn't often sue for libel.

Legal Disclaimer:

Almost Happy is not seriously advocating cancellation of any of your insurance policies and can in no way be held responsible for the consequences of such irrational actions. Catastrophes happen. Ask any insurance salesman.