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No.Not needed maybe? I’ve been paying house insurance for the last 40 years. Never claimed on it so technically it wasn’t needed. Is that a 'waste'? Just look on the PPE not used as insurance in case it was needed. Same as the pop up hospital in the Excel. Better to have too much and not need it rather than have too little, surely?
They were asking about the different figures involved. A bit like an insurance quote for 1 price that increases massively once its started but with no recourse to correct it.
Not the use, or not, of the items.