So precisely what does it mean?
That we have all been conned and ripped off from the very outset, having totally wasted lots of money over the years?
Or that we should be grateful for being able to sleep soundly at night, safe in the knowledge that our backs are covered for that fateful moment when a claim will occur as it surely one day will?
Either way, at this moment in time, it must be patently obvious to everyone that the Insurance Company providing the cover made a brilliant business decision when initially agreeing to do so.
Can anyone tell me what criteria were used when deciding to go with this particular Company and who were the people responsible for making this decision?