If You Are Spending So Much Already, Spend a Little Extra

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January 6th, 2012

If it’s worth taking with its worth insuring

Read this and think again about paying for insurance when you are in doubt about it. We heard an awful money story yesterday. Our neighbors and good friends, Joan and Alec, decided to go on a romantic ‘once in a lifetime’ holiday. It also coincided with a major wedding anniversary giving it special ‘meaning’. It involved a trans-Atlantic cruise, a family visit in the states, a flight to Moscow, some Russian sightseeing and then a flight home. Alec, a lawyer, spent hours poring over brochures and maps and finally came up with this suggestion. Joan loved it and all the bookings were made.

They pack

“It’s going to be cold ashore, pack some warm clothes,” advised Alec, thinking about walking knee deep in the snow in Moscow. “I will. Do you think they dress in the evenings? Should I take my jewelry?” asked Joan and then without waiting for an answer opened the safe and dropped her collection precious of necklaces, rings and brooches into a couple of leather pouches and put those into her extra-large travelling handbag. “I’ll call for a cab,” said Alec when everything was ready.

They set sail

The boat left Italy on a Thursday evening and floated along the Mediterranean. The public lounge was full of people all circulating with drinks in their hands and introducing themselves to each other. The atmosphere was great. Joan and Alec were delighted with their choice of holiday.

Miami

The ship docked in Miami Port after an exhilarating voyage and Joan and Alec found a cab to take them to the railway station. They had bookings on a train trip to visit family in Pittsburgh. On arrival, brother-in-law was standing on the platform to give them a hand with the cases and soon they were finally in his car on the way to his home in the suburbs. Suddenly Joan let out an agonizing shriek. “Stop! My Handbag! It’s on the train!” Brother-in-law made a U-turn on the spot and roared back to the station. The train was still standing in the same position, but the handbag was nowhere to be seen. Joan burst into tears and Alec went into a hypnotic trance.

Back to the car

In the car brother-in-law asked “what was in the handbag?”

“My 45 year old collection of gold and diamond jewelry,” explained Joan tearfully. “Well, you will replace it with modern pieces. The insurance will pay for everything,” said brother-in-law.

“What insurance? shouted Alec. “Nothing was insured!” The rest of the drive home took place in silence. In fact most of the rest of the holiday, meaning the flight to Moscow, the sightseeing in Russia and the flight home took place in silence.

Back home

“It’s cost us an untold fortune,” said Alec when he described what had happened. “Joan loved jewelry and I too had an eye for good pieces, so over all the 45 years of our marriage I have been buying and investing in jewelry. Some of those pieces were worth tens, maybe even more, of thousands of dollars. All gone! All through my stupidity of not believing in insurance!”

This entry was posted on Friday, January 6th, 2012 at 6:00 am and is filed under Assurance / Insurance, Business, Economy, Employment. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

If You Are Spending So Much Already, Spend a Little Extra

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