why should a hobbyist be seen as needing or deserving less protection than the active professional? I know you were just speculating that a hobbyist would have a harder time getting insurance than me or you, but I am steadfast in defending the amateur (not in the literal sense) against any discrimination of this sort.
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Actually, that wasn't speculation. I was told that a "hobbyist," and that was the word they used, wouldn't take as much care of the key as a professional whose livelihood depended on the licenses the key contained. Now you may think that's a bunch of crap and I would have to agree but there was a time when car insurance companies in the United States used to charge more for red colored cars than any other color because they thought that anybody who wanted a red car was surely a wild risk taker, thus more of a liability. Of course today this practice is illegal.
As I said in my last post, insurance companies are just having a hard time trying to assess the risk factor involved. Anything else, cars, homes, jewelry, etc. they just plug into their computer models which do the assessing for them and come out with a premium.
To give you an idea of just how completely clueless insurance brokers are in this arena I remember a conversation I was having with one while shopping for insurance for my key years ago in which the broker told me she would have to talk to VSL to find out exactly why they warranty the key for only two years. When I told her VSL was based in Vienna, Austria she told me she would have to contact their European office. A week went by before I finally wrote her back for a resolution. She said, "I'm sorry but it would appear that nobody in our European office speaks Austrian only German😛😕😛😕"
So feeling like a one-legged man in an ass kicking contest I just gave up and asked Allstate which is my home owners insurance.