[martinsadie]

its a gamble Sean but how many people do you know whos been of work that long,apart from dole dossers,in 10 years time you could regret paying
£7000 plus or it could be the best thing you ever did 

[Sean Dyer]

i know

i can just see me thinking actually forget it

then breaking a leg and cursing myself

dont know , i wouldnt do it for ten years just whilst most of my income is dependant on me
as wife doesnt work and if im not working we are penniless so i think its more of a risk not too for the time being

maybe when my business is bigger and theres more money behind me i will think of cancelling but by then the premium wont matter so much anyway

think i wil go for it, im not commited so i said for them to ring me back next week so will think about it for another week

[Window Washers]

yeah but if i put 62 a month away thats only 700 odd a year if you are seriously hurt for a year or more you are knackered but at least with this policy it pays you out

its a risk not having it, its a risk having it if you never have to claim but its which one has worse consequnces??

only thing is i do have part timer, and at a push he could take on more work but at the moment i think i would just feel a bit more comfortable till i have more money rolling in form staff to have a protection for my own income

as i say it just about covers bills but thats enough as if i was off work the missus could get a job and i look after little un

Sean  you are think in the right way and looking out for your missus and little one, you will always get the chancers in life that moan like hell when things go wrong..

I dont even work for an insurance company and I recommend you take some out  :
Ian

[Sean Dyer]

yep makes sense

i understand you lads saying dont bother, but yo had a lot longer to save and pay things off than me

im only 22, young family loads of outgoings

different circumstances eh

although its another outgoing it is gonna be one less worry if i get ill or injured

anyone who wants to contact the brokers i did they are really good and work through 38 of the top companies for a quote

they are advice based so they give you the right information rather than just selling there product

they are

www.bestdealinsurance.co.uk

 if you sign up let them know think i get a voucher but that isnt my reason lol they are good

sean

[matt]

who you with ?

much is your premium if ye dont mind me asking

i am with a local working society, 42 quid a month

100 % for the first 6 months, then down to 50 % till i return to work

[Sean Dyer]

100 % is good

mine reckon you only get 65% but that is forever from day one of claim if necessary (well till 65 anyway)