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@rpm
if you've ever had to deal with a genuine claim, you'd soon forget any ideas about trying it on.
insurance companies basically send someone round who's job it is to find fault with your claim so they don't have to pay out.
you have to prove them wrong in order to get your payout.
that's not a very pleasent experience after you've been burgled.
then your premium will go up so high that you have to change insurers