Someone set fire to Mary and John’s shed, so Mary rings the insurance agent.
“It was insured for fifteen grand,” she says. “Please send a cheque.”
“Whoa .. hold on just a minute,” says the agent, “… insurance doesn’t work like that. We have to send round an independent adjuster who will assess your loss and get you a replacement.”
It goes deathly quiet…“Hello … are you still there?” queries the agent.
“Yep, sorry,” says Mary. “If that’s really how insurance works, I’d like to cancel the life policy on my husband.”