Liverpool Lou

It's the scammers art, they give a good story, that's all it takes for someone, who may not be as sophisticated as AN members, to fall for it.

Are girlfriends not permitted by them?

No, I did not specifically respond to your "small print, fine print" remark, although, just to please you I will, they are synonymous in this context. All I have ever stated on this subject is the fact that insurance policies do not have "small print, fine print" or any other type of deliberately illegible font designed to make their policy conditions indecipherable because the insurance industry watchdogs nowadays outlaw the practice.

"Spot on", but only in the context that you couldn't be more wrong. You really think that insurers' overall premium revenues are not set at levels that massively outweigh any likely claims liability? Why would any business operate in a manner that is so risky to their existence that a few claims would put the company in jeopardy? Regardless, as a safeguard, all insurers have their own risks (re-)insured so that normal policy holders' payouts have negligible effect on their bottom line. Insurance companies "knee-jerk reactions" don't exist because they would be redundant.

You told me in another post that there is no small print on insurance policies, assuming small print and fine print are the same thing. If small print and fine print are not the same thing then you have my apologies. What's that got to do with my comment that you quoted there? I don't need, nor want, anyone's apologies, thanks

"So don't be such a smart <deleted>". Don't you be such a smart <deleted>, this is what he posted and that has not been altered... "enjoying some stays in Bangkok along Suk Road. Used to always be cheap by the kilo laundry places conveniently near the hotel, but I'm finding them gone"

To quote you...are you basing that on anything specific, or some studies?!

"Are you basing that on anything specific, or some studies? I think, if anything they have gotten worse". Are you basing that on anything specific, or some studies?!

Great OP, well done, newbie Stevey.

"...subsided insurance". I have thought that was the last thing anyone wanted! Subsidised by the government who are already making billions from Tourism. Yes, I know what "subsidised" means. My exceedingly humourous comment was to your post referencing "subsided" insurance! Who wants a policy from a collapsing insurer?

How would he get his laundry there from the Sukhumvit 11-33 area?!

Bit of a trek from lower Sukhumvit, the place that he's asking about.

With the exception of car and motorbike insurance I have not looked at a policy in many years. There you go, then.

Go on, then, back up that nonsense with something rational and empirical.

"...subsided insurance". I have thought that was the last thing anyone wanted!

Good article. For the time, yes, but it's referencing 26-year old cases and even the most recent reference was 2007, that's a decade and a half ago, not 2023.

"it is small because they do not want you to notice it". Stop it, they do not. Literal small print is a myth these days...unless you can post a verifiable current example of such a thing.

Many? All insurance companies have claims departments, the job of which is to assess claims' legitimacy and reject those that are claiming for circumstances that are not covered. Why should any insurer pay out for anything that the policy holder was not covered for?

Obviously never looked the T&Cs recently then ? I have, you probably haven't but, go ahead, post an example of a verifiable current policy "where the text is so small it’s barely readable".

I couldn't disagree more adamantly, which seems to be the theme of our recent exchanges. There is so much evidence to the contrary. The thing is, in 2023 there is not the evidence that you claim, a couple of anonymous AN posters making claims about their unconfirmable experiences with unnamed companies is not enough evidence to rationally dispute the actual figures that anyone can access. The claims statistics for the insurance industry, in general, supports the fact that the majority of claims are settled in the policy holders' favour. Re your link (that I don't think you read), something more up to date than 26-years old would bolster your argument... "the company’s former CEO, Jerry Choate, admitted in 1997 that the company [Allstate] had reduced payments and increased profit". Even the most recent reference, 2007, is 16 years ago and the insurance industry has changed a lot in the last 20-30 years with stronger regulations and regulating bodies.

Thanks for the correction on the spelling and the dangers there. I wasn't correcting your spelling.

An anonymous insurance company, an unstated message with nothing ever on paper. Great case.

So we can assume you sell insurance with all defensive posts You're assumption is wrong. What you describe as defensive posts are, in fact, rational, accurate posts based on verifiable statistics and personal knowledge of the industry.

That is a completely false assertion, no insurers these days are permitted by their regulators to do that.

"I "accidently missed" declaring a previous condition". QED.