Chongalulu

" My gf SAYS she loves my nose” or in your case ,Bignok,your beak...?

" It's a wise man that knows his own child"...

You could only travel by train..or even not at all? Or do you really NEED to fly..? Silly enough for you? ???? Or if really vexed by the need for a sensible question - statistically are you.ore likely to meet serious harm on a travelator or on the roads.. ????

Give it a name,I used Boris for mine (the Who) . Sad when he disappeared after a few weeks. The only thing he'll bite are the nasty bugs. He's an ally!

May I remind you of the road accident statistics..will you now avoid those too in the name of consistency..?

I think that may be what they do when seeing you approach.. ????

Look up Poe’s law….

Of course they are. ”On,yes it's moving - Off,yes it's stopped " Maintenance - tick box..

So now you want a decapitation?! ???? Haven't we suffered enough horror,man?!

No,I was countering your incorrect assumption that being intoxicated was a catch to get out of paying any/all claims. Which clearly it isn’t. And insurers rightly carry out an investigation of any major claims - why would you expect different? Nor is being involved in a non blameworthy injury accident while over the limit an unlikely scenario. How about revellers in a club becoming victims of a fire (ring any bells??) unable to escape because of locked emergency exits..?

I was just "filling" in their questionnaire - no need to drill further as it's just a thin veneer of caring

We've seen the way tryiing to accommodate Muslims, spending billions on the banlieus in France has worked out...

No it wouldn't. If you were drunk sitting in a roadside bar which a car ran into injuring you there would be no contributory factor. The insurer would have no grounds to reject the claim and the ombudsman would rule as such

Travel insurance will cover you for a lot so it's unwise not to buy it based on your reasoning. It will exclude say skiing but you can pay extra to have it included. The "small print ” isn't that small and there's always a separate section,not difficult to read, identifying the exclusions. Very many are too lazy to spend the ten minutes or less to read it. You post intelligently and would have no difficulty at all.

Each case has to be evaluated on the circumstances, although some insurers (Tif) have a poor reputation. If football wasn't proscribed in the policy as a dangerous activity ( unlike say scuba diving while not qualified) then there's no basis for refusing the claim. If you were injured in a road accident not your fault but weren't wearing a seatbelt,your damages would be reduced,not denied,on the basis of contributory negligence. Quite a minefield!

It's quite common that someone having an affair awakens the sex drive with their normal partner. Practically,a gambling addiction is probably much more difficult to end than promiscuity.

In essence you are correct,though there are several incidents of insurers failing in their duty to claimants,as ruled by the ombudsman. Google Tif insurers whode medical expert has been sanctioned by the GMC for several failures in dealing with badly injured clients one of whom died as a result

It helps you realise there's no point buying it! ????

You are quite right on the alcohol over consumption,but it would also have to be a clear contributory cause. E.G. if he was a passenger in a car or just sitting drunk in a roadside bar and a car ran into him the insurer would have no cause to refute the claim. Drunk and falling from a balcony is a whole different matter.

An original and thought provoking phrase there ....

Thank goodness no wing mirrors were damaged in this incident. That would been 40 times more serious.. ????

Yes,that makes it perfectly acceptable then. Later on I'll be arriving at your house pointing a loaded gun at your head. I "probably ” won't pull the trigger (use it) and so you'll be perfectly fine with that I guess...?

Accentuate the positive - he's not ALWAYS going to wake up...

Anecdotal evidence of one is no substitute for properly compiled statistics. You are misguided

How you 'feel' is a poor argument in the face of the actual statistics .