In 1990 I remember seein a TV program in which some expert reckoned the average family had to spend £2000 a month on insurance premiums to cover them in case something went wrong. At the time my wage was about £1100 a month . I think you can spot the flaw in his argument, Basically he was trying to scare me into a situation where I'd be too frightened to do anything.
Today I saw a sign reminded us that the Digital Switchover is coming as though it wer the ent of the world . "You could lose ALL your TV channels!!" . Well no , actually , you wont , worst case is you will lose the ability to recieve the channels if you dont have a way of receiving digital channels and if you you buy a TV they have a digital receiver built in. But they're still trying to frighten people.
In Michael Moore's film "Bowling For Columbine" he wonders why there are so many gun related deaths , compared with Switzerland who have mandatory gun ownership , and Canada where guns and ammunition are as freely available as in the USA. This is a very nice little theory cartoon from the film:
These days if you take out a new mobile phone contract you really need to insure against it been stolen of getting broken. The only insurance you really need is to back up your data and phone numbers . Insurance isn't cheap when the list price of a replacement iPhone or iPad us up to £700 !!
In Britain the Daily Mail and Express have a new crisis every week. Bird 'Flu , Pension Crash , The Economy is going to explode , Britain is going to be hit by a Tsunami , turned into a desert or flooded. The list is endless. Oh yeah and there's Al Quaeda , a convenient bogeyman . It was Iraq , now it's Iran , then it'll be China - oh sorry they have money so like the USA can do what the hell they like.
Anyway , my advice is take reasonable precaution , enjoy life . If you want to avoid pregnancy during sex , wear a condom , don't dismember the guy or woman!!