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These measures go some way to helping some of the more highly populated areas against flooding, but do nothing for regions with lower population densities, and provide no protection against other costly emergencies such as hurricanes or acts of terrorism. The accounts were intended for those with no credit history who might not meet the banks” criteria for opening a standard current account.

When you consider that most consumers who have credit protection carry it year after year, without ever becoming eligible for a claim against the insurance policy, the amount of wasted money can add up to a truly staggering sum. Instead, they offer classes, booklets, online seminars and other information that gives you the knowledge you need to take control of your money. Customers will expect the problem to be solved, so something has to be conceded in return e.g. Even the most professional installer will want a large enough space to bend and fit the copper pipe run from the supply.