I once read that in essence anything that you can allocate a value to, can be covered by insurance. If that is the case, I have quite a number of surprises lined up for my insurance company!

I would really get pleasure from the following forms of insurance:

Insurance for goods that have expired before their sell-by date! One of the worst type of feelings on earth for me is taking a large spoonful of yogurt, or a big bite out of a hardboiled egg, just to realize that the yogurt has in fact turned into sour cream and the egg tastes like a thing that resembles the smell that’s coming from your dustbin! The next time this occurs, I want to have the ability to put in an insurance claim! This claim should first of all replace my low fat yogurt and eggs and secondly make up for my discomfort and agony by paying for a trip to a beauty spa or martial arts lesson (or something similar where I can do away with my frustrations with the diary providers nowadays!)

Noisy neighbour insurance! I’m convinced that I have probably the most inconsiderate neighbours in the whole wide world! They are noisy, they are impolite, and they are just “in your face” the whole time! Next time they party until 4 am the next day, or when I have to tune in to the husband screaming at the wife, or listen to the wife yelling at the girl to stop harassing the rabbit, I would like to claim from my insurance! The claim will be paid in the form of an unwinding weekend away for my loved ones, at the location of our choice! This is after all extremely important to our general wellbeing and sanity and as a good night’s rest is invaluable, I cannot see why this type of insurance is not available yet!

Unfriendly insurance! Don’t you just hate it when you drag your tired body to a shop after a very long day at work and you are assisted by the most unfriendly, grumpiest cashier in the whole town? And it gets even worse when they don’t pay attention! As I’m unloading my goodies onto the belt, I request that my items must be put into bags. A minute goes by before they ask if I’d like bags for my goods! And as soon as I give them my card to pay, I mention that it is a cheque account. Seconds later I am asked “Cheque or Savings”? I mean, hello! Please send these people on a “good etiquette and appropriate communications course”! This will obviously be for the company’s own good, although I will put in an insurance claim, the company will have to pay up!

Now don’t you agree with the fact that the above is just as must of as irritation as when you are involved in a vehicle accident? Or when the geyser at home burst? Or when criminals sneak in during the middle of the evening and help themselves to just about everything at your house? If car accidents, damages or injuries and burglaries can be covered through insurance, why not the rest of the above.?

For more information on insurance, go to http://www.payasyoudrive.co.za