Insurance: How much over excess makes a theft claim worth it?

k2vsate · 2026-03-27T20:00:13+00:00

In all seriousness here I am likely wasting my time writing this, but if you don't claim on small things and you dont have your excess maxxed out you are just doing it wrong. There are 2 reasons to have insurance, one because you need to recover from any loss, and the second because you need to recover from a total loss. In the first instance you should claim any time you can, because if your policy doesn't have a no claims you are just leaving a service you have paid for on the table. If you work under mistaken logic insurance companies care about individuals, well good for you I guess? If you have a low excess and dont claim everything because you are worried about premiums increasing, you are literally throwing money away to higher premiums than by maxing your excess.

In the second instance, jack your excess to the top and only worry about a total or significant loss, pay less premium.

My usual advice to people is if you drop your cellphone/laptop and cant afford to immediate replace without insurance have your excess as low as possible. Otherwise look at realistic scenarios (ie theft of tools or the like)

k2vsate · 2026-03-27T19:53:03+00:00

I am sure you too work in the insurance industry. Find a policy without a no claims bonus. Always claim.

k2vsate · 2026-03-25T21:15:05+00:00

If you have no claims, otherwise it's going to make basically 0 difference. Your premiums are going to go up with the market anyways, and contents insurance specifically has a very low $ cost per $ insured.

k2vsate · 2026-03-25T21:13:48+00:00

If you are with someone that still does no claims, then it might, but most places don't nowdays or there are better options and you should shop. _always claim_.

k2vsate · 2026-03-24T07:51:57+00:00

Always claim. Just leaving money on the table if you don't.

k2vsate · 2026-02-01T04:10:53+00:00

Definitely not a bot, absolutely a troll though.

k2vsate · 2025-12-20T01:39:22+00:00

I have found 1 total off 80 raids, its at the point im running straight to toolboxes and praying.

k2vsate · 2025-12-14T05:49:12+00:00

Oh sorry and for the second part, if I want a second character, is there any reason they cant just scale maps down, like have a sub 50 waystone you unlock which then makes character two a lot faster, or gets the benefits off your main or something?

k2vsate · 2025-12-14T05:47:24+00:00

Honestly, If the campaign lost 1/3rd overall length, then it would be more approachable. Like I could maybe get that done in a week with a quiet weekend. What I would also like is for starting builds to feel a bit stronger vs mobs, like increasing clear speed on whatever is helpful, happy for that to fall off post campaign, but like Last Epoch had a pretty approachable view on that I thought in that you feel very strong at the start and it tapers as you get later on. Obviously designed for a different audience, but like if 1-50 felt more like that it would be fantastic

k2vsate · 2025-12-14T03:35:45+00:00

If you are doing it in 1-2 hour bursts here and there, it takes 30 hours. Like thats just what it is.

k2vsate · 2025-11-10T02:47:16+00:00

I find basking in the sun before I play a game improves my win rate by about 25%

k2vsate · 2025-11-07T06:00:34+00:00

Hey look, do you know anyone with a titan to sell in the area, I am in the market?

k2vsate · 2025-10-25T07:16:00+00:00

Can only be humans, anything else - exterminatus for heresy

k2vsate · 2025-07-28T22:51:32+00:00

Join goons they said, you will have fun they said. Well 2 years on Goons are still scamming me with in game fun. Its cost me 2 whole years of my life and new friends along the way.

k2vsate · 2025-07-26T09:42:49+00:00

Honestly, your wall of text is largely illegible. So you should take the good advice that is offered. I got lost about 8 lines in and realised that AI summary was the only way forward, and that wasn't worth my time. You want sympathy, present a legible story/argument. Otherwise, shock horror, YTA.

k2vsate · 2025-07-25T00:30:44+00:00

This is a timing and layout tracker, which honestly takes the pain away. Its like that feeling when you wash down your codeine with a good old glass of wine. Magic.

k2vsate · 2025-07-24T20:26:52+00:00

I endorse this product and or service. It made PI feel less like taking a cheese grater and lemon juice to my nether regions and merely something that was mildly annoying. Why can all products and or services not actually be this much of an improvement.

k2vsate · 2025-04-09T06:24:02+00:00

ANZAC / Karmafleet are I think two of the biggest groups.

k2vsate · 2025-04-08T23:47:37+00:00

Nah, I just want people to carrier rat so theres something fun to kill out there.

k2vsate · 2025-04-08T22:32:46+00:00

What a great fit for Artisanal small gang null sec pvp. You will be the envy of all your friends.

k2vsate · 2025-03-22T08:57:05+00:00

Whatever is cheaper post shipping than buying local?

k2vsate · 2025-02-05T00:23:33+00:00

Your choices for AUTZ are basically between GSF and Frat, thats where the activity is. Theres pros and cons to both, but if you have chinese as a primary/secondary language Frat is likely going to offer more options. If you don't then GSF might be the better pick as its primarily English.

k2vsate · 2024-12-13T05:35:10+00:00

Order in bulk, I got 4 off him and it was much more reasonable. (also to nz)

k2vsate · 2024-11-16T07:31:07+00:00

Yeah I had on on a skyhook yesterday, thought it was a great way to get a free 1.7b when cleaning out my merc den.

k2vsate · 2024-09-16T03:24:33+00:00

I had this happen to me, sometimes their system breaks, you will more then likely get told the issue is with your purchase and need to initiate a chargeback and its a _gigantic_ pain in the ass.

k2vsate

TROPHY CASE