I for one am a qualified electrician and an electrical engineer. I've even done a stint in the office of electrical safety in qld.

Write what you want about the information given by myself or others....as has been pointed out on many of these threads and forums...the insurance issue is a non issue.....If i fall asleep, because i've had too much to drink and in the process knock over the christmas tree and that has my 500 lights for $2 connected to my triple ganged made in sri lanka power adaptors....will my insurance company pay?

You bet they will, the burden off proof rests with them in all cases......