On BBC Breakfast this morning the tragic story of my neighbour Violet Grainger and the fire that destroyed her house a year ago. Trying to save money she had cancelled the £300 a year insurance premium and although it is believed that the fire started next door, because negligence has not been proved the fire is deemed to have been a tragic accident and she is left with nothing but the land her house stood upon.

Violet wanted to warn the 1.8m people who like her have no buildings insurance that it really can be a false economy.

More on the BBC Web site here.

Huge thanks to Paul Lewis, to Bob Howard and to Laura Checkley of Pemberton Greenish