Cheaper too... for them. Accident solved, no more money needed. Unsolved arson, money needed to follow up, proceed with investigations, more paperwork, more wages needed to pay those doing the paperwork... it all boils down to who looks the best on paper.

Of course, your premiums will now go through the roof because although the pillow was "accidentaly" left on the monitor, you are now considered a risk because you are stupid enough to leave soft furnishings on electrical items..... if not a potential self arson risk, to claim the insurance.

LTS