I don't think it the same credit cards in the UK, I am like you John, I will not buy insurance, electronic save for a few KBs is pretty good now and anything I buy now will perhaps see me out. It not just the insurance companies that make money its the people selling them.
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Tyros 4/Pair SR 350/ PC with a i8 intel chip, XENYX 802, Ford Focus 2 litre/Tascam DR07/Brother printer/Designjet 500/ our Doris/5 Grandchildren/ white boxers short Kymart shipped over and Typhoo Tea Earl Grey