It is the MO of all insurance companies to pay out all genuine claims that are covered by the policy.
The financial liability of insurers' paying claims has little effect on them as insurance companies are covered by their own insurance for those liabilities which are massively outweighed by premium revenue.
"...they have a knee jerk reaction to try to wriggle out of paying..."
Complete cobblers from another poster who has no idea how insurance companies operate.
"...like Khao Toa".
You'd be safe there (wherever that is) although some people would say that you shouldn't do that in Koh Tao even though 99.9% of visitors never have a problem there, either.
But they don't do that with legitimate claims. Seems that a lot of posters here think that insurers should provide cover for circumstances that were not paid for by the premium.
Is that why approximately 90% of all insurance claims are paid out?
There is no reason for insurers to pay out for claims that aren't covered by the policy and that does not make them thieves.
Yes, I may have done, can't be sure, but I'm sure you've got my comment handy if I did! That would have been a prediction that I did guess wrongly about, I can't be right all the time on predictions.
That's not the point. Why make it more difficult for people in the first place?
It is the point when the poster to whom I responded claimed that post from the UK to Thailand takes an age. It doesn't.
Trump "has been found guilty of fraud...hundreds of times?" Garbage. Donald Trump has never been found guilty of fraud, he has never even been charged with fraud.
Trump has been found guilty hundreds of times, in cases where he defrauded people.
Trump has never been found guilty of any criminal offence, as so many posters like to assume, that is my point.