The long and the short of it

Small Print Magnifying Glass

I really enjoy a little chortle to a one-liner.  ‘Two fish swam into a concrete wall, one turned to the other and said ‘Dam”.  Who can forget the master, Tommy Cooper ‘I went shopping for some camouflage trousers today but I couldn’t find any’.  

They’re not just for fun either.  Squeezing pages of reason or argument into a well thought and succinct phrase can be so  much more effective and thought-provokng.  Some are simple truths that our Mums tell us, like  ‘If I agreed with you I’d be wrong’, and then there are proverbs from all over the world, like from China ‘He who asks is a fool for five minutes, but he who does not ask remains a fool forever’.

There’s some great wisdom from the world of sport too, such as the golfer Arnold Palmer who replied in response to a question of whether he’d been a bit lucky that day, ‘Maybe, but the harder I practice, the luckier I get’.

Some are simply awe-inspiring history in themselves. ‘Never in the field of human conflict was so much owed by so many to so few’ and ‘I have a dream’.

I must admit I’d rather keep things short and concise if possible, but that’s the problem with insurance sometimes the more words the better!   We often offer to compare policy wordings for clients on commercial insurances, and we extend this service to personal insurances too.  Recently, we were asked to look at a travel policy that our client has as part of his credit card services, and compare it with that offered as an extension to his home insurance, and we found quite a list of worrying differences. For example, the credit card excludes ‘hazardous’ activities, but ‘hazardous’ is not defined.  Having already noted that their policy excludes trips for golf and weddings I hate to think what other activities they consider ‘hazardous’ (although I suppose there are a few arguments that come to mind about how both of these pursuits affect your health!).  In contrast the home policy has a full and extensive list of activities that ARE covered, thus making it a clearer wording than the credit card policy, which was nice and short but dangerously vague.

Makes you wonder what you get when you buy an insurance policy doesn’t it?   Perhaps using a broker will give you the Peace of Mind that you’ll be insured with a good policy wording, and if your claim is contended, at least we can use our knowledge and experience to give you good advice and fight your corner.

You know what they say, ‘A man who is his own lawyer has a fool for his client’.

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