Following Martin Lewis's advice

[DaveP]

As he suggests I am removing PPI from personel loans/mortgages etc
as there all a bit of a rip off.

From his site he recommends http://www.antinsurance.co.uk/index.htm

I was wondering if anybody else has done the same & can recommend similar insurance covers suitable for IT contractors.

[minstrel]

What particular insurance are you looking for? Income protection?

I doubt you would be covered as a contractor in between contracts.

All insurance is a bit of a rip off in my view. Unless you suffer from below average luck it's always going to be poor value for money in the long term.

I generally only take insurance if I'm legally obliged to (e.g. car) or it it's something I couldn't afford to pay if the worst were to happen (e.g. PI, health).

[Peoplesoft bloke]

What particular insurance are you looking for? Income protection?

I doubt you would be covered as a contractor in between contracts.

All insurance is a bit of a rip off in my view. Unless you suffer from below average luck it's always going to be poor value for money in the long term.

I generally only take insurance if I'm legally obliged to (e.g. car) or it it's something I couldn't afford to pay if the worst were to happen (e.g. PI, health).

WHS

[BrilloPad]

What particular insurance are you looking for? Income protection?

I doubt you would be covered as a contractor in between contracts.

All insurance is a bit of a rip off in my view. Unless you suffer from below average luck it's always going to be poor value for money in the long term.

I generally only take insurance if I'm legally obliged to (e.g. car) or it it's something I couldn't afford to pay if the worst were to happen (e.g. PI, health).

If a house owner you really should have house insurance. It just takes a fire and you would be seriously out of pocket.

[minstrel]

If a house owner you really should have house insurance. It just takes a fire and you would be seriously out of pocket.

I agree.

That comes under my "couldn't afford to pay if the worst were to happen" category.

Also most mortgage lenders insist on this being in place.

[Gonzo]

I would include extended warranties under the class of insurances that you do not need.

I can't remember which store it was but one tried to sell me an extended warranty on a toaster once. A toaster FFS

That was at least eight years ago and the toaster is still going strong.

[chris79]

I take great satisfaction in explaining fully to any sales people who ask me why I don't want an extended warranty:-

For all the electrical appliances and goods I buy, the probability of them failing within 3, 4 or 5 years is probably quite low. If I were to take the cost of all the insurance/warranty offers and combine them together, it comes to quite a hefty sum of money. Alternatively I can choose to just put this money to one side in the bank, should anything ever go wrong with any of the number of goods I have, this pot of money would more than cover it. If nothing goes wrong with anything then I've saved myself a considerable amount of money. The depreciation of electrical goods over 5 years is also so great than in years 3, 4 or 5, I can probably replace them for 25-50% of the cost of when they were new anyway. If I do happen to drop my 1080p 42" LCD TV down the stairs when I'm transporting it around the house (as everyone does on a regular basis ) then my home insurance covers new for old replacement. On this basis it is false economy to purchase an extended warranty.

At this point the sales people tend to give up or accept my view, if they disagree then I simply task them with proving to me why this is not the case (or if I'm in a hurry / not in the mood for entertainment I just tell them no).

[BrilloPad]

I would include extended warranties under the class of insurances that you do not need.

I can't remember which store it was but one tried to sell me an extended warranty on a toaster once. A toaster FFS

That was at least eight years ago and the toaster is still going strong.

I got offered warranty on a £25 microwave 4 years ago. My mate paid £110 for his 18 months ago - blew up after 13 months. I was quite smug!

[SueEllen]

I was wondering if anybody else has done the same & can recommend similar insurance covers suitable for IT contractors.

You need PHI (permanent health insurance) instead of PPI to cover long term illness.

[NotAllThere]

I would include extended warranties under the class of insurances that you do not need.

I can't remember which store it was but one tried to sell me an extended warranty on a toaster once. A toaster FFS

That was at least eight years ago and the toaster is still going strong.

£15 Kettle. Extended five year warranty £30. I pointed out I could by two new kettles for that. So they dropped the warranty to £15. I just laughed.