The Hedges have had an IT disaster with both phones and laptops dying.However we have now recovered with a wonderful month spent at the grandparents.
If you have been pondering the merits of insurance this is an example of how it can work in your favour.
We have an upgraded bank account for which we pay a monthly fee - sounds superfluous, but we have made our money back on this each year.
The key thing is to read the small print and think hard about what you really need it to do.
Also, make sure you are not already paying for any of the perks elsewhere.
So far I've had 2 phone disasters and a household boiler disaster. The boiler cover was part of an emergency call out service which meant that we had someone out fixing our boiler 11:30 pm on a chilly December night when lo was only 6 weeks old. Invaluable.
The phone disasters (one involving a toilet eek) meant collection, fixing and or replacing, and returning the phone.
This coupled with the security of breakdown assistance (and many other features) has made the insurance provided by our extended bank account completely worth it.
But at the end of the day it's going to be different for everyone and it's only by reading that dratted small print that you will be able to guage it's worthiness to you.
Check out www.moneysavingexpert.co.uk for unbiased information on accounts and insurance suppliers and good luck.