What is more of an issue is more antisocial crime such as street robbery or shoplifting. These crimes are much more likely to be snatch and grab, with no violence involved. They still have an impact on the victims but they're not making the city significantly more violent.

[1] https://www.london.gov.uk/london-records-fewest-homicides-ye...

Minifigs are terrible but I have hundreds of those spare anyway!

Less than 20% of weddings are religious (and a smaller subset of this will be in churches), and I don’t really hear of anyone just turning up at the ceremony of someone they don’t know.

The tips on the apps nominally do go entirely to the driver.

It doesn't help with situations where drivers are multi-apping (accepting orders across multiple apps and juggling them). The drivers don't even know you have priority.

edit: and in the US where you can definitely see the tip up front, you will almost always find that the order will get picked up quicker if you increase the tip by the equivalent of the priority fee. But you may well get stuck with a delivery before yours.

All that said, I can't recall many instances where the theft wasn't either breaking and entering, or entry through an open access point. As easy as lock picking might be, it's not a common burglary technique.

Two main exceptions:

1 - if you are letting the property to someone else, e.g a lodger or have paying guests staying with you then this is typically excluded.

2 - if you have had previous theft claims, live in a high crime area, or you have a particularly high risk (e.g lots of valuables), the Insurer will add an endorsement that you need a minimum standard of locks and have them engaged when the property is unoccupied.

Outside of those, if you accidentally leave a door unlocked, your claim will likely be paid. The situation obviously may be different in other countries. I worked for a property insurer and saw hundreds of these claims (entry via an unlocked entry point) paid during my time there - I also saw many declined because of the above.

I suspect that over time the number of policies in the 'budget' category will continue to increase as price continues to trump everything else for most people]

edit: it is the same for the other lines I mentioned as well -e.g a cyber policy I saw recently has no conditions relating to use of MFA. It will have been factored in when writing the risk (they will have said they use it) and if it turned out it was a lie then there would be an issue with cover but if it was just a case of an admin forgetting to include an OU in the MFA group policy the claim would almost certainly be covered. Policies aimed at the SME space are much more likely to have specific conditions though.

Don't take the right safety precautions and burn down a customers house - liability insurance

Click on a link in a phishing email and open up your network to a ransomware attack - cyber insurance

Forget to lock your door and get burgled - property insurance

Write buggy software which leads to a hospital having to suspend operations - PI (or E&O) insurance

Fail to adequately adhere to regulatory obligations and get sued - D&O insurance

Obviously there will be various conditions etc which apply but I've been in Insurance a long time and cover for carelessness and stupidity is one of the things which keeps the industry going. I've dealt directly with (paid) claims for all of the above situations.

It doesn't absolve responsibility though, it just protects against the financial loss. I suspect if you leave a child alone with an AI and the house burns down that's going to be the least of your problems.

I gave up on Twitter when I opened the app in public to find a porn video playing in the main feed, despite not following or interacting with any accounts of that nature previously. That was ~6 months ago and I haven't looked back.

e.g andrew@gmail.com, a.n.d.r.e.w@gmail.com and a.....ndrew@gmail.com all are the same user and will go into their mailbox (which I have used to avoid the + stripping that some sites do)

andrew@outlook.com and a.ndrew@outlook.com are two distinct users.

Obviously if you control the domain or use a provider who supports it you can add an alias with punctuation but then you might as well just use e.g ebay@c.com to track the email source.

Lots of it is just about marketing though.

I work for a cyber insurer (who are trying to reduce the risk of compromise, alongside transferring some of the risk via insurance) - providing they’ve not been misleading in their application, we take the risk as we find it and can’t just not pay because of poor cyber controls.

Credit monitoring is usually offered as standard when a breach occurs, the UK is much less litigation friendly than the US so in the absence of any actual harm, that would discharge most of their obligations to protect you following an incident.

I don't have the most up to date figures but in 2022, combined ratio was forecast to be 115% for motor insurance - this means for every £1 in premium, £1.15 was paid out in claims and expenses. There is some income from investments but it's minimal compared to the pre 2008 situation.

Consequentially several insurers have exited the personal lines market as they cannot make money from it - RSA for example. 2022 is forecast to be the worst year for insurers since 2010.

The market does suffer from a cycle of 'hard' and 'soft' markets and there will be an overcorrection in the short term - over a few years, we'll see insurers seeing an opportunity to undercut the market and gain market share and premiums increases will ease.

TLDR - whilst it is painful to see premiums rising so quickly, it is not an industry that is awash with profits.