Few people actually think about their insurance cover until they hear a loud crash, smell smoke or discover that someone has made off with their possessions. TV news footage of people being rescued from floods, their homes devastated by water and rendered uninhabitable, are surely the best reminder that having insurance cover is a good thing. Or is it? Many flood victims will say, after they got over the initial shock of the damage, that is when their problems truly started. If the TV cameras revisit the scene months later, how many of the people who are interviewed say they are waiting for the insurance company to sort things out?