… So here’s a big long one to compensate.
One of the shops I work at was the target for an armed robbery today. I won’t divulge too much information into the matter; it’s probably best if I don’t.
However, it has come to my attention that the excess on shop insurance is nearly as much as the amount stolen, which rather renders it useless. Again, the less I say the better, but the excess was, in this instance, roughly 85% of the total amount stolen. 85%. In what way does that help anything? Whose idea was it to make being robbed an even more expensive experience than it should be? It begs the question, who’s really doing the robbing here?
I don’t really need to rant too much about insurance companies. Everyone knows by now how condescending they can be. Like motorbike insurance, or any vehicle insurance for that matter. You can claim on your insurance if you cause an accident, sure, but only if you’re lucky enough to have an excess that isn’t more expensive than the write-off value of the vehicle, which at my age is very difficult indeed. And for someone my age, that excess will only lower if you have a no-claims bonus, which I should have but haven’t because it got “lost in transit”. Great.
And if you’re the victim, claiming on someone else’s insurance is almost pointless half the time. You have to have been hit at the exact right angle to get a clean payout; if you got hit by someone in front of you slamming on their brakes for no apparent reason, for example, then it’s somehow your fault because you hit them. How is that in any way fair? I’ve very nearly been in this situation myself, and it can happen to anyone. It’s barely my fault someone swooped in from another lane and braked for absolutely no conceivable reason whatsoever, then proceeded to move back into the lane he came from in the first place, yet if I’d hit him, I would’ve been to blame. I couldn’t afford a situation like that.
Get hit from the side, and you’re in for some serious grilling. Were you T-boned? If so, did you brake heavily next to the junction? Yes? Well you should’ve been more careful. Were you clipped from the rear? Who said you could reverse down this part of the road? No payment. Were you clipped from the front? How dare you try to make a perfectly safe left turn in the presence of a van that really shouldn’t be reversing but doesn’t care about you because you’re a measly little motorcycle and he’s a badass van driver? Your fault. What was that? Your vehicle was crushed by a 10-tonne oil tanker? Well, what was it doing parked safely outside your house? Who said you could leave it there for five seconds while you ran inside to take a sneaky biscuit for the road? NAUGHTY BOY. No payment.
There’s a saying: Give a man a gun, and he’ll rob a bank. Give a man a bank, and he’ll rob the world. Ring any bells? Well, try giving him an insurance company. He’ll rob the world several times over then try to insure Mars and rob some aliens while he’s at it.
NOT ONLY THAT, but apparently, armed robbery in a shop is not a personal issue. What? Not a personal issue? If being held hostage at gun-point isn’t personal, then what exactly would you class as personal? Call me cynical, but that’s just insane. If you were, by some incredible stroke of luck, able to find some way to subdue the robber and save the day, you could be fired. Why? Misconduct. That’s against policy. Well, screw policy. If I can take some prick who thinks he owns my life down a notch (which also ties in pretty neatly with insurance bosses), I’ll take that opportunity. Who wouldn’t? I’m sure whoever came up with that rule would, too.
This is what I don’t understand. The powers that be can’t seem to understand why so much crime is allowed to happen without any real punishment all the time. Well, take a look in the mirror. What do you see? I’ll tell you what you see… You see the very problem you’ve apparently been searching for for lord knows how long. SORT IT OUT.