Sometimes I worry about the intellect of people in this country, I really do.

If you read this, you'll see what I mean.

Does he really think that watching your football team suffer a premature exit from the World Cup (in Englands case, not qualifying from the group or being knocked out in the second round by a lesser nation) could possibly trauma you in such a severe psychological way that the insurance company would ever pay out?

No Doctor on earth is going to put that down as the cause of severe psychological trauma. You'd have to be a basket case in the first place. I mean, I like supporting England and as with any fan, suffer the ecstasy of winning and the trauma of losing but not in any way is it going to do me lasting psychological damage!

In essence its an insurance company taking the piss out of people too stupid to actually live on this planet.

What a moron.