I fell foul of the thieving ba$tards at Binnsworth a couple of years ago over NHE. Despite support from everyone including my boss, some faceless Warrant Officer Blunty at Binnsworth refused to pay up. Yes, OK - I could afford it. But had I been SAC Penniless with a clutch of kids.....
It's one thing to insure against reasonable risk, but NOT against the manning incompetence of the total idiots at Binnsworth. Investors in People? My ar$e!!