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Old 05-12-2018, 06:48 PM   #10
BBCWatcher
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Join Date: Jun 2010
Posts: 6,656
yes good to have ci cover to cover other expenses not covered by ISP.
OK, but by that standard it's also good to have an insurance payout if your refrigerator breaks and needs repair. Yes, OK, the refrigerator might still be under warranty, but maybe you could use the money to buy $200 of groceries to restock?

Insurance (and "insurance") isn't free, and every dollar you spend on such products that isn't really helping is one less dollar that you could keep or that you could spend on much more valuable insurance that would defend against genuine calamities you're undefended against. As a notable example, I'm mystified why so many people rank CI coverage ahead of DII coverage. That makes no sense to me at all.

Sure, cancer is scary, but most people have reasonable defenses against it, or at least are better defended against it than they are some against other much more horrible risks.

The above is not a criticism of Juju. He won this lottery ticket, as it were, and that's great (not the cancer). He didn't need the money, but he got it anyway and can save almost all of it.

Last edited by BBCWatcher; 05-12-2018 at 06:51 PM..
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