BL>> If you insure yourself, you have to make sure that you have the

BL>> money to cover the insurance, otherwise it's silly. 

BG>> Furthermore, I think life insurance is a complete waste of money.

BG>> I gave up insuring my car a couple of years ago, and for the

BG>> first time in 10 years, I let both my house and contents

BG>> insurance lapse (although I'm still not completely happy about

BG>> that, even though it saves me $400 pa). 



 BG> Given that few burglars are more than simple opportunists, you're not 

 BG> likely to

 BG> be losing too much anyway, although I still remember the time that the 

 BG> people

 BG> who lived opposite us on the Comenarra Parkway at West Pymble came home 

 BG> from

 BG> holidays to an empty house.  Even the light and water fittings had been

 BG> removed, and the house was just an empty shell.  Poor bastards.  Just as 

 BG> well

 BG> that they were insured on that occasion.



When I lived in Sydney for 6 months in' 76 - '77  (on returning from 2 yr stint

amongst all the crime in America ), We were up on the 3rd floor of a

7 story Block in Neutral Bay. If I looked out the kitchen window I

could see straight into the lounge of the people below (Used to

often watch them making love on the lounge). Well these two both

worked for Quantas and were often both away at the same time.

One day I looked out to see the place empty.



It seems that a removalist truck was paid by someone unknown to go

and pickup all the stuff. When the truck driver was questioned by

the police after, he told them that the Door was unlocked when he

got there (he was told it would be) and all the nicknaks had been

put in the couples empty suite cases. The removalists instructions

were to strip the place bare and take it to an unused house and

stack it all on the front lawn.( as no one would be there, and the

so called new owners didn't have any keys yet -- at least they

were honest enough to tell the truth)

No doubt the lawn was bare the next morning.



BG>> I happen to agree with you, although I'm still toying with the

BG>> idea of taking out a cheap $50 TPP policy, just in case I hit a



BL>> I actually feel happier betting on my own ability than on the other

BL>> bastard being able to pay me when *he's* in the wrong. There are too

BL>> many on the dole driving wrecks with no assets out there. I wish

BL>> they'd make TPP compulsory.



 BG> jacked up when it reached $300, and told them to fuck off.  I just drive

 BG> extremely carefully now, and save $300-$400 each year, and in 10 years, 

 BG> I'll

 BG> hopefully be way in front.



I bought an Alfa Romeo While I was in Sydney then and had it (in one

piece ) right up to 7 am on the morning of Feb 11th 1989.



I had just spend $10,000 making it all beautiful again and when I

was down in Brisbane I went to all the insurance companies looking

for Special insurance. (I wanted to insure it for more than book

value). I was told $1030 premium per year and I needed to get a

Valuation.

WAY TOO MUCH ... Hey, I thought I could save $1030 per year...I used

to Race Cars in the Sports sedan class in Adelaide years ago...I've

Done defensive driving...Ive always been able to handle the

situation...I don't take unnecesary risks....I did not insure the

car.. except for the compulsory third party. For 9 or so years

(total saving $9270), so I almost saved the same amount as I payed

for resoring it. The on the Saturday morning on the above mentioned

date, I was coming down the Gilles Hiway on the way from Atherton to

Cairns...perfect day...sun was shining... came around a very tight

right angle corner at about 30mph and into a cloud of fog...two feet

visibility, Couldn't see the bonnet, let alone the 300 foot drop

Down one side or the 50 billion tones of dirt & rock that I hit head

on.

Flipped the car, took the windscreen out with my forehead, Hung

upside down by my feet with a broken Back, cracked skull and

spinal injuries for half an hour before I got the energy to drag

myself out of the windscreen hole and tuck my self under the side

of the car (because I was only 5 feet from the white line) to find

that I had just filled the car with 70litres of juice and it was now

pouring out all over my feet.



No insurance and could not claim 3rd party because I could not say

that David Drummond was coming towards me on his Honda 50 and shone

his lights in my eyes.

I was on my lonesome, Still am, as far as insurance companies are

concerned. Didn't believe in them then, and don't now.



Instant Career change but I still think that I came out ahead.

I was told by the Cops & Ambulance that had it been a (this years

model anything) that I would be DEAD. ( anything that looked like

chrome on that car , was actually 1 or 2mm Stainless steel, it

was bloody Solid)



Because I did not die, I am able to bore you with writing this

(no matter how slow)



Because  I had to find something to do, I took up computers.



Because I took the windscreen out with my forehead, I talk Crap.



Because I did not get insurance, I have to use the Fidonet

for entertainment.



Because I use fidonet to hone my communication non-skills,

I have myself thinking that if you all read this crap (test

Audience), then maybe I have a chance writing a book, and that the

profit can go towards paying for more pills and my new wheelchair.



Nah, with the words and communication skills I've learnt in here

....fat chance...



..Then maybe



Russell



--- Terminate 3.00/Pro