"A man whose attempt to cook steak in a toaster sparked a fire that destroyed his house was upset to find that his insurance policy did not pay out as much as he had wanted it to."

https://www.stuff.co.nz/business/money/300346156/man-who-set
-fire-to-house-by-cooking-steak-in-toaster-upset-at-insuranc
e-payout

sparkychap - 2021-07-03 18:53:00

Lucky he was away at the chippie, he could have gone to sleep drunk and cashed in his 'chips!!!' for real.

mercury14 - 2021-07-03 20:18:00

Call it a learning experience.
He learnt something about steak, toasters, and insurance companies.

masturbidder - 2021-07-03 20:20:00

masturbidder wrote:

Call it a learning experience.
He learnt something about steak, toasters, and insurance companies.

Didn’t learn enough from the experience though did he? ????

Going to the media bitching, just proves to the whole world he’s an idiot ????but hey, if it stops someone else from burning their house down and not getting a big insurance payout for cooking steak in the toaster then good on him! ????

Remember the rugby player who charged his iPhone in the microwave?

Not all household hacks found on the interweb are a good idea...????

lovelurking - 2021-07-04 08:58:00

Darryl would say; "Tell him he's dreaming". Some letters should be read.
He can't build another house of the same size, to subject to his care?

amasser - 2021-07-04 09:02:00

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kiwilandchch - 2021-07-04 11:11:00

some toasters you can cook steak in, mine does, never have, but it does. I wondered whether he had a similar toaster, as he must have done it before. I would challenge the insurer if it is.

gabbysnana - 2021-07-04 17:46:00

lovelurking wrote:

Not all household hacks found on the interweb are a good idea...????

True.

And it's proof there are a lot of swimmers at the shallow end of the gene pool....

autumnwinds - 2021-07-04 17:51:00

Why challenge the insurer? The insurance company paid him the maximum amount he was covered for. He was lucky to get that. The insurance company could of said he was negligent and caused the loss and refused to pay. Not only was he to blame for the fire with his foolish action but he also accepted and paid for an under insured amount. Nobody else to blame but himself.

pamow69 - 2021-07-04 20:11:00

pamow69 wrote:

Why challenge the insurer? The insurance company paid him the maximum amount he was covered for. He was lucky to get that. The insurance company could of said he was negligent and caused the loss and refused to pay. Not only was he to blame for the fire with his foolish action but he also accepted and paid for an under insured amount. Nobody else to blame but himself.

well there you go need to hang out here more than working.

gabbysnana - 2021-07-04 21:07:00

autumnwinds wrote:

True.

And it's proof there are a lot of swimmers at the shallow end of the gene pool....

very well put.

sparkychap - 2021-07-04 21:41:00

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gunna-1 - 2021-07-05 13:15:00

Having called 111 for the fire brigade already once in my lifetime I can assure you, insurance is a big relief…
If you don’t like the price you pay, take a higher excess.
It was a necessity for us to have insurance for the bank when we took out our mortgages.
(In reply to gunna1)

lovelurking - 2021-07-05 13:28:00

Setting 1 for rare, 5 for medium-rare, 10 for well done. ????????

thumbs647 - 2021-07-05 19:28:00

thumbs647 wrote:

Setting 1 for rare, 5 for medium-rare, 10 for well done. ????????

the food toasters , do have those settings, what's your brand?

gabbysnana - 2021-07-06 09:29:00

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gunna-1 - 2021-07-06 10:17:00

gunna-1 wrote:

I wouldent trust it now, it,s had its hayday, and it is being ruined by nitpickers, i found insurance documents from the 90s and the tone was alot better than now, insurance should not be necessary to take out a mortgage something is wrong there.

Banks want to protect their lending. What is wrong with that?

amasser - 2021-07-06 11:53:00

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gunna-1 - 2021-07-06 12:15:00

gunna-1 wrote:

I wouldent trust it now, it,s had its hayday, and it is being ruined by nitpickers, i found insurance documents from the 90s and the tone was alot better than now, insurance should not be necessary to take out a mortgage something is wrong there.

Trouble is that a lot of false claims are made... even seemingly 'upstanding citizens' sometime think its OK to rip off insurance companies... I have been surprised at the greed of people who will lie about things to get money

karlymouse - 2021-07-06 13:02:00

amasser wrote:

Banks want to protect their lending. What is wrong with that?

The banks are also protecting the consumer. If your $1m pad burns down and you don't have it insured, you still have to pay the mortgage.

sparkychap - 2021-07-06 13:06:00

gunna-1 wrote:

I wouldent trust it now, it,s had its hayday, and it is being ruined by nitpickers, i found insurance documents from the 90s and the tone was alot better than now, insurance should not be necessary to take out a mortgage something is wrong there.

Insurance in the 90's and prior pretty much excluded everything and covered 'some' things (was usally defined perils insurance) - insurance now covers pretty much everything, except specific exclusions. Insurance now covers WAY more than it used to 30 plus years ago.

rhys12 - 2021-07-06 22:20:00

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gunna-1 - 2021-07-07 06:36:00

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gunna-1 - 2021-07-07 06:55:00

gunna-1 wrote:

Mortgatge defaults and bankruptcies happen, its a part of life, what you dont want is a bank ruleing your life, it falls back on basic values, and the cost of this penny pinching to eliminate "risk" is more things happening outside the customers controll, the bank owns them, and not them the bank, it creates dangerous monopolies, as you can see, if you are forced to have insurance, the insurance company is not beholden to its customers, because they are forced customers, and have no say, the saddest part is, people slowly chipped away at makeing this a reality, and built there own ball and chain, then locked it on there own ankles, because it should never have been allowed to happen.

And no pad is worth 1m unless you have another 2m in the bank, anyone with no money and a million dollar pad gets whats coming to them.

So, I take it you have never and are never gunna buy a house then??

lovelurking - 2021-07-07 07:15:00

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gunna-1 - 2021-07-07 07:23:00

gunna-1 wrote:

Yea i will one day, for about 20 grand, you just wait.

If you wait until 1979 you might get a bargain, we bought a three bedroom house with a separate 2 bedroom flat downstairs for $36,000...

Out of interest I’ve just googled this property, it sold in March 2021 for $2,025,000.
It’s had a makeover since we owned it!

lovelurking - 2021-07-07 07:52:00

I just hope this man, who cooked his steak in the toaster, does not have a policy with the same insurance company as me. Given at it basic level insurance is a group of people all paying a little bit into a common pool, so if one of you have an incident we have all chipped in to pay it out.. I'm not sure I would to have to chip in to a pool I had to share with this clown !!! It appears that he had some problems with his "gene pool", and it looks that his "insurance pool" is going the same way !!

onl_148 - 2021-07-07 16:00:00

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gunna-1 - 2021-07-07 18:50:00

Is it exhausting being you, gunna?

cinderellagowns - 2021-07-07 19:42:00

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perfectimages - 2021-07-07 19:55:00

He should've gone VEGAN.

trogedon - 2021-07-07 20:25:00

Better to use the toasty machine than the toaster.

tygertung - 2021-07-07 20:47:00

trogedon wrote:

He should've gone VEGAN.

..why?,so he could be an idiot burning his house down making vegan food in the toaster..thats so much wiser????

theguyz1 - 2021-07-07 21:12:00

You can cook hash browns in the toaster alright. Should be vegan compliant.

tygertung - 2021-07-09 00:46:00

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gunna-1 - 2021-07-09 02:52:00

From the article.

"While it was toasting, he left the house to go to the local fish and chip shop for chips."

Personally, I think he was damn lucky to get a payout at all

mrfxit - 2021-07-10 09:38:00

mrfxit wrote:

From the article.

"While it was toasting, he left the house to go to the local fish and chip shop for chips."

Personally, I think he was damn lucky to get a payout at all

Yes.. if it was me I would count myself very lucky there was a payout, and then I would just quietly slip back under my rock, never to be heard from again.. But to go to the media and grizzle about the amount of the payout... I doubt that got him any sympathy at all!. No amount of insurance money is going to repair his reputation.. given his now known track record for being an idiot / careless I doubt that any insurance company is going to be too keen on his business, or at least his premiums will be "eye watering" expensive. !!!

onl_148 - 2021-07-15 09:14:00

mrfxit wrote:

From the article.

"While it was toasting, he left the house to go to the local fish and chip shop for chips."

Personally, I think he was damn lucky to get a payout at all

Should have taken the steak with him and asked them to throw it in the fryer.
It's all just so strange!

amasser - 2021-07-15 09:30:00

I'm still if'ee about leaving the house in the morning with the slow cooker on.. I'm super cautions.. make sure it is sitting on the stainless steel bench well away from everything else, just in case of a malfunction and it "spits out" a piece of hot metal or the like... I'm just ok with putting a bit of bread in the toaster and dashing out to the letterbox with the rubbish bag !!!

onl_148 - 2021-07-16 13:53:00