This is the same poster who had a thread a few days ago about trying to save a few bob by not paying for house insurance - I doubt conventional logic carries much sway here...
That's unhelpful, is unfair and incorrect. This is the only forum I have ever used and I've never used social media. But I now understand how online bullying works, before it was something I just read about in the news. As a moderator, Leo should not be laughing along.
On my question on house insurance, I stated a number of times it wasn't about the cost, it was to understand how house insurance worked, which I also said I did not know, having never made a claim. I don't think I've ever discussed house insurance with anyone before, I obviously had some understanding.
So I was ignorant on this, but now thanks to only two contributors:
peteb and Ed054 I am better informed. Other contributors who gave opinions on this were incorrect, so I'm I glad I persisted.
I was the person concerned about 3rd parties, which is why I asked the question.
I secure my house when I'm away, so that there is a low risk of damage to it or my neighbours. But with it being left unoccupied sometimes for more than 30 days, my home insurance would be void. So that is why I was mainly concerned about this, not trying to save a few bob, maybe not having 'conventional logic' is better attitude.