Car Insurance

I have wasted hours of my life trying to sort out my car insurance it is finally done, what I did discover though is that lots of insurance companies only count 5 years no claims, so if they then change the new one starts counting from 5 as they have no proof of anything before that.  So in effect if you then choose one that does count higher years you have no proof.  Rubbish I have lost 3 years worth through changing insurer.

This the leads to the dog insurance debate, is it really worth it?  Well I had never claimed until this year and the claims combined sneak into four figures, but I still have to pay £100 of the first claim per year and 20% there after.  Even with the claims this year I have paid lots more into the scheme, so do you self insure and go crying to the bank manager for a loan should you not of accrued enough?  Thing is once you starting paying insurance it's had to stop.

I currently have buildings and  contents, car, boiler, life and critical illness and dog insurance. Would I be richer without them?  Well thats the though of the day. Enjoy