Was genuine original Nokia charger, been in the same socket for about 2 years - not always on though. Must have forgotten to switch it off a day or two previously and never thought because I just got a new phone 2 days before that charges off my PC.
No insurance, so it seems, phoned them this morning, but I kept increasing my mortgage and paying it down, increasing again, etc, 4 times, and the last docs I signed, without reading properly - who does - just signed it and posted it back - was written up as " borrower to find own insurance "
So, all out of my pocket.