i've never bothered with insurance hear in the uk,as i cant see anyone insuring me! and i don't have any dependant, all my family know about my hear brained skeams and i except the risks, i would never allow an insurance company to dictate how i live my life!
i did tell the family once that if i did get my self killed just to start a fire at the end of the garden and chuck me on!! saves on the cost of the crem!
my mums nearly the same as me when she goes her wishes are "to be burnt and bake the ashes into a loaf of bread and feed it to the seagulls in Brighton, just so i get to shit on the world for the last time"
happy new year
john routley