Scrumpy, probably sticking my neck out, but have only once ever had to claim on any insurance, and that was for a lighting strike that took out our intruder alarm, but If we are confessing to past fiddles, when we bought our first house, and were struggling to pay the bills, including electric, every Christmas I told myself this time of the year we a going to be warm and not worry about the Electricity bill, so on the old meters there was a small screw under the connection cover that given a half turn, the meter would stop, so from Christmas eve till new years day we had our heating free on the electricity company .