www.iva.co.uk

Freezer packed in on Tuesday and yesterday the washing machine wont fill on a rinse cycle (whatever that means, the wife told me the fault). Anyway not a major problem as both are covered, this is just a post to show just how important it is to put away funds you have ring-fenced as 'contingency' in your I&E. The washer is rented, something we have done for donkeys years as when I was in the army it would always break with the abuse washing my kit would give it. Phoned company today and they are coming out Tuesday with a new washer as ours is over 9 years old now. The freezer has separate cover under our household insurance, it has a £50 excess though but is new for old. The £50 we don't have in our contingency fund but we do have £40 so we are going to be out £10 (our end of month 2 for £10 meals at the local sizzler). The freezer is a chest freezer and is 29 years old, yep really is 29 years old. The insurance company has offered us an upright tall freezer with almost the same cubic foot capacity, we are happy to accept that and that is being delivered on Monday from CurrysPCWorld. So although it could have been doom and gloom things are really not that bad. My neighbour has a huge chest freezer in his garage which he has made space for our stuff until next week, so we didn't loose any goods either. Putting away that £5 contingency money each month means we don't do beans on toast for the last week of the month. I really do hope that if it happens to any of you that it pans out as painless as it has for us.

Very positive post and one that shows to put a little away where possible does help in these situations. Gut Tree is also good to use if you don't have insurance or much contingency as my daughter picked up an almost brand new fridge with freezer box last night for £10! Was a bit dusty but that is all as it'd been used as a beer fridge in a garage!

Glad to hear everything is covered Merlin.

We've got our fridge freezer covered with Domestic and General - it's less than £10 a month and is covered new for old. I thought about cancelling the insurance this year but decided against it as I know what would happen if I did!

There has been many times during the IVA I have thought about cancelling insurance on some of ors stuff as well. Thankfully I never did get round to doing it, saving a few quid a month may well have turned out to bite us back.