I go from shop to shop just in case there's something better in the next one. I take armfuls of clothes into the changing rooms because there's no way I'm going home with something that doesn't fit.
Inevitably I return to the first shop and the first item of clothing I clapped eyes on and buy it. My husband tells me to just buy the first thing that catches my eye in the first shop, but what's a girl to do? We need to be sure we have the right item of clothing at the best price possible.
I wish I had taken my husband's advice when I wasted a few hours of my life searching online for holiday insurance. You all know how I love to browse the internet searching for holidays,well the downside to going on holiday is you have to find holiday insurance. I have a medical condition which means that all the insurance companies rub their greedy little hands with glee when I go online.
For all the years we've been going on holiday I have never ever claimed on my insurance. I have never had to see a doctor or visit a hospital. I did have to visit a dentist in Spain one year when I bit into crusty bread and the crown on my front tooth halved in two but I paid for that myself.
I always take a 14 day course of two different antibiotics with me in case I develop a chest infection so it would only be in extreme circumstances that I would need a doctor. That is not one of the questions they ask you when you try to buy insurance.
First I tried the company we went with last year, they wanted nearly double what we paid then. The next one was a good price and I was quite pleased with it, did I buy it? No of course not, just like searching for clothes I had to find out if I could find it cheaper with perhaps more benefits. Two hours later I didn't find it any cheaper and had to buy the one I first came across.
Every company had a slight variation of the same questions for medical conditions. By the time I reached the one with the drop down box saying, Miss, Mrs, Rabbi, Baroness, Dame, Capt, Major I was tempted to find out if saying I was a Baroness or a Dame would get me cheaper insurance. One site asked if anyone in the party was over 54 yr, well, yes! They didn't want us if we were.
Although the questions for my medical condition (Cystic Fibrosis) have got better over the years they are still very general and none of the sites ask if you take your own antibiotics with you or even have a full course before you go (like many with CF do ) or if you had ever made a claim before like they do with car or house insurance. If you stay with the same insurance company year after year and never have a claim I reckon you should be rewarded with a no claims bonus as you do with a car. I keep myself healthy, I take my medicine,attend clinics so why shouldn't I be rewarded with cheaper holiday insurance?
We always have to use a different company because their prices change so dramatically from year to year it has something to do with the underwriters and how much they're prepared to pay out.
For me it could be getting near the time when it's just too expensive to go abroad taking the insurance into account and I dread to think how much it would be to be insured for going to America.
For medical expenses I am insured for £10,000,000 but for loss of money only £200.
I'm not covered for hazardous pursuits which is okay by me. If a catastrophe occurs I'm due £500 I wonder if they add that to the other £500 for the kidnapping, I'd count that as a catastrophe.
At the moment I can laugh about it and I'm touching wood as I type this that I do not have to use my insurance this year especially for the hijacking or kidnapping because it's not worth it for £500 unless I sold my story to the newspapers...... nah! still not worth it.