Insuring A Wooden Leg

A man in the UK had a wooden leg and they went to an insurance agent to insure it. The cost was £200 a year! He and his wife thought that far too expensive and decided not to bother.

Later, they moved to Ireland to live and they again went to an insurance agency to see how much it would cost to insure the wooden leg there. The agent looked it up on the computer and said to the couple '£39.'

The husband was shocked and asked why it was so cheap in Ireland to insure, because it would have cost him £200 in England! 

The agent turned his assessment book around to face the couple and said, 'Well, notice it says "Any wooden structure, with a sprinkler system over it, is £39.00".