Sick of go fund me for idiots who don’t take insurance with them

[Gofundinsurance]

Last week or so.

1.man decides to dive head first into a low pool. Immediately paralysed. He’s paralysed , no insurance so go fund me obvs

1. boy has insurance, insurance said no motorbikes, went on a motor bike, insurance withdrew. Go find me

man dives into pool , shallow end no insurance see above

man goes out gets wankered and gets in a fight, one punch hit and he’s in icu bit no insurance so he’s stuck there

How hard is it to book insurance when you book the holiday to open a second tab and order the insurance?

Just go to Google and type ‘gofud no insurance’ there are thousands.

I just don’t get it I have stage 4 cancer and I get insured by ‘insure with ‘

So ignore them.

I agree. I would never give any funding for someone with no insurance (unless they were a child).

Live by the sword, die by the sword.

My daughter had food poisoning in Mexico and spent just under 24 hours in hospital hooked up to various drips, she was very poorly. This cost $15000 in total, we had to stump up £6500 before the insurance checked her medical records and gave the hospital guarantee of payment. Really pissed off that the hospital said this money would be paid back after the insurance stepped in, that was in April. We’re now having to go through the insurance as an out of pocket expense, robbing gits. The insurance are deducting this amount from their final bill settlement, thank gawd.

So even through you have insurance most hospitals want some money off you until your medical records have been checked. After a previous incident 16 years ago in Egypt we didn’t face this rigmarole, the insurance liaised with the hospital, much less stressful. It’s a nightmare even when you do have insurance, 😳

In two of those cases, insurance wouldn’t have covered them.

I do get insurance but no one is covering you for drunk fistfights!

Maybe if insurance companies actully did their job and insured you then the Go Fund Me wouldn't happen. Most people haven't got a spare £6,500 to pay out until the insurance takes over etc.. It's easy to judge.

I’m with you on this & its so cheap. If you are doing high risk activities there are usually options for that too.

it just seems so silly.

but its the go to now, someone dies, set up a go fund me, fancy a boob job, set up a go fund me. I find it odd but I guess thats just me being old & these are the new ways. I’ll be out with the ark soon

I'm afraid I regard GoFundMe as begging.

I have monthly standing orders for donations to recognised charities but I would never give money to any one on GoFundMe.

... and don't forget the GHIC / EHIC card !
My travel insurance is invalid without one.

What insurance policy covers you in the event of a drunken punch up? I'm pretty sure I haven't got a policy for nights out.

I don’t give to go fund me or when colleagues do sky dives etc and pester for money- I find it distasteful

Agree - although I’ve known insurance not to pay out as someone didn’t declare a medication they were on (nothing to do with the medical issue they experienced) and had to pay thousands out of pocket.

Go Fund Me is begging, and I don't see anything wrong with that. It is honest and not aggressive, which is mainly what anti-begging laws are aimed at discouraging. If you really have suffered a misfortune and you are not in people's faces demanding money then usually people will try to help as much as they can. If you don't want to send anything, you don't need to be on that site at all.

Yanbu it amazes me that people will pay £1000s for a holiday but don’t pay the £50 for insurance.

Our last holiday was £62 for our whole family tp be insured and I have a medical condition that makes it a bit more.

My neighbour had a house fire

Within 2 hours they where on the net demanding 2k (they didn't get anywhere close) for 'new beds' and sofas

Can afford a ring doorbell/all the ongoing costs,takeaways every single night and a posh new car but cannot afford £3 a week for insurance

I judged hard (mainly because they are entitled gits and they had the cheek to scream at us for not donating-weve had endless trouble from them)

I pay for my own insurance I'm not paying theirs as well!

Well personally I will always be grateful to the people who donated to a Go Fund Me for my son, who died by suicide in Australia.

He was living/travelling there and did have insurance but it didnt pay out for suicide.

People's kindness meant I got my son home, it also paid for his funeral.

The money left over gradually got donated to various people facing the hardest times of their life when a loved died by suicide.
When someone dies unexpectedly whether suicide, accident or even murder families dont always have a few thousand pounds spare for a funeral.

So if I can help a grieving family in anyway, then I will, if you don't want to thats fine, your choice. No-one is criticising you.

I sort of agree with you @Gofundinsurance but it doesn't irritate me in the same way because I see it as there being two different and equally valid forms of risk-sharing and as long as you pick one and stick with it, there's no harm.

With insurance, say there's a 1 in 10,000 risk that something awful costing you £500,000 is going to happen. 10,000 people buy an insurance policy for £60 each creating a pot of £600,000 and the one unlucky person who gets the shitty thing happening to them gets the £500,000 paid for and the insurance company gets £100,000 for the admin costs and a profit margin.

With go fund me, in theory it could work exactly the same after the event - the 10,000 people who were in the same situation and were lucky not to have the shitty thing happen all pay £50 and the costs get paid for the one unlucky person.

Insurance is clealy a better system despite the inefficiency of having to generate an excess to cover admin costs and a profit margin, but the go fund me route is equally valid so long as everyone who doesn't bother with insurance contributes a fair share to go fund ne appeals, and everyone who does buy insurance ignores go fund me appeals because they are on a different system.

So just block the go fund me appeals from your browsing settings and ignore them. They are nothing to do with you.

I agree that people should take insurances but disagree that taking insurance out is really easy.

We got an annual insurance through DH’s work. When the terms came in, it had a blanket no for any upcoming surgeries or appointments and also didn’t cover any illness treated by GP in the last two years- so any repeat prescriptions, medication for one off treatments like sore throats etc. It was absolutely useless.

So I tried to buy a single trip insurance for DD and myself for a 4 day trip. She had an appointment booked for something in December (thanks to NHS waiting list) , it’s not something big but needs a second opinion from Consultant. I am on waiting list for surgery (been there for 14 months now). Took me whole day to finally find one that covered us both and didn’t charge ridiculous amount. One insurance company quoted us £114 for Greece for 4 days and excluded both surgery and upcoming consultation event. So not easy.

It's not always easy to get insurance if you have certain conditions and can be ridiculously expensive.
Have a heart. You don't have to donate if you don't want, but that money could make all the difference to someone in need.

I agree and I don’t know why people contribute. Just another symptom of a world of entitlement where a lot of people think their problems are something for other people to sort out, and have no initiative or responsibility.

That said, it’s easy to ignore them.

YANBU.

I have been told that if I don’t get a diagnosis for a knee issue I have, no travel insurance. I’m not going to cancel my holiday, because it’s not covered. So I’m paying to get a private diagnosis before I go. It’s just what you have to do

I read at least 3 a week on newsfeeds of people going abroad without insurance and then begging strangers to cough up money because they are too tight to pay themselves.
It should be compulsory to take out insurance, its often not that much (unless you have certain medical conditions)

Then you don’t go on holiday. It’s that simple. My dad was paying over £1000 a year at one point because of conditions he had, but he still paid it.

Insurance companies do everything to avoid paying out so absolutely not as straightforward as people claim

But if you’ve followed their rules, they will pay out eventually

Have zero sympathy.

My annual insurance with European cover is £35 Most of these people who end up with GFM pages - £20 for the trip

There was one who didn’t read the small print. Thought the policy covered 90 days. It meant 90 days max per year. Which turned out to be no more than 21 days per trip. Broke their leg 2 months into a 3 month holiday.