Now I know that nobody really loves insurance. In fact, nobody really loves any expense where there is no perceived value, however, that value comes into sharp focus where home emergency cover is concerned, especially when one of those once in a lifetime events happen to you!

I like birds and I appreciate the work done by bees, but that does not mean that I want to live with them nor their close relatives.

At first, when my young daughter told me that she had bees living in her room, I thought she was making up stories. However, upon investigation, I found a number of dead wasps on her window sill, but I could not find out where they came from.

A few days later I was mowing the lawn when I noticed wasps flying back and forth past me as I worked. When I checked, they were flying into the airbrick at the very top of my house at the apex of the roof! I could actually hear the humming noise they were making!

I was busy checking my Yellow Pages for a pest removal company when I noticed an advert stating that those with home emergency cover would almost certainly have insurance cover against such an occurrence. A few phone calls later and sure enough, our trusty home emergency cover did have a section covering removal of pests.

The man came and within an hour had removed the nest and sanitized the area so they would not return. What a relief.

Now I wonder if the policy covers removal of my mother-in-law!