
I’m a sucker for insurance. If you are naturally suspicious and inclined to pessimism then insurance is a drug you have no control over. You are either fantasising about how you can get more of it, or else desperately trying to make do with less of it. No matter how you adjust the dosage you can never get it right.

Disagree with half of it, enjoy reading all of it
TRY 3 MONTHS FOR $5
Our magazine articles are for subscribers only. Start your 3-month trial today for just $5 and subscribe to more than one view
Already a subscriber? Log in
Comments
Join the debate for just £1 a month
Be part of the conversation with other Spectator readers by getting your first three months for £3.
UNLOCK ACCESS Just £1 a monthAlready a subscriber? Log in