Saturday, April 10, 2010

A Definite Liability

So then our home insurance renewal notice comes in and is chucked into a corner until there's nowt of interest on the telly. I'm sipping whiskey as I read how underinsured we are. Must do something about that. Then something catches my eye and whiskey is spat out onto the floor. I make an urgent telephone call.

"Hello, I'd like to change one part of our home insurance, please?"
"Okay, sir. Which part?"
"I'd like to change the death cover from the dog to two cats and a goldfish, please."
"Pardon?"
"You have €260 cover on the dog on the policy. But the dog is dead for years now and we never claimed. So I reckon two cats and a goldfish take up less space than a dog. So please cancel the dog cover and change it to cat and fish, please."
"Are they pedigree cats?"
"No. Definitely Heinz variety. One's a tabby and the other's black all over, if that's any help."
"And the fish?"
"Well it lives in a tank. Doesn't get out much. Definitely not risky."
"Er.... I'll have to speak with my supervisor."
"No problem. Oh, and the €3,000,000 public liability insurance?"
"What about it?"
"Would someone be able to make a claim on that if, say, the goldfish got out of its tank one day and fell on the floor and someone slid on it and hurt themselves?"
"I'm really not sure, sir. If I could just speak to my super...."
"Or, say, if the cat saw the fish on the floor? And on trying to pick it up the cat ran over and tripped someone up and they hurt themselves? Would they be able to make a claim for some of the €3,000,000?"
I could hear voices on the other end of the line, the kind made when someone is approaching the phone after being waved frantically over.
"If someone tripped on a cat, slid on a fish, hurt themselves... Could we or they claim for replacement fish cover, cat cover, and public libility cover? And what about the second cat?"
"We'll have to phone you back, sir."
They haven't, yet.
I don't think they have my number.