Smoke alarms are worth every penny

88% of homes in England have a working smoke alarm, according to Home Office statistics. It is striking that 30% of domestic fires and 35% of domestic fire fatalities are in the 12% of homes that don’t have a smoke alarm.(1) 36% of the fatal fires in homes are caused by smokers’ materials, the largest…

Digital downloads

It’s estimated that a total retail value of at least £1.8 billion of music and audio files have  been downloaded to our laptops, phones etc, and while these physical  items may be insured against theft or loss, about 40% of home insurance policies do not cover the full replacement download cost. If you are not…

A little knowledge is a dangerous thing

“The past is a different country, they do things differently there” Regular readers of this blog will have realised that I care about how we interact with banks and insurance companies (and supermarkets and other big corporations for that matter). Way back when, before decisions were taken using computer models, if someone wanted a loan…