The insurance companies jump all over any DIY electrics etc if you have a claim,
I have seen some frightning things done by builders nevermind DIY bodges, like a spur socket wired with bellwire, and sockets moved where the extra wire was added by twisting together,

I had that in a previous house. Immersion heater circuit too.

Was crawling across the loft, and was just about to put my hand down on something when I noticed that "something" was a "live" charred mess of T&E twisted together.

Clearly a junction box was far too much to ask.
That house also had the 30A cooker spur repurposed to feed some form of star circuit heading off to all the extra sockets this muppet had added over the years - using pretty much anything that would conduct. At the centre of this star, in the loft, he found that he couldn't cram the 6mm T&E feed into the bit of terminal block he was using to connect everything together, so he dropped it down to a bit of 1mm T&E.

That house would have burnt down or killed somebody if it had sold to anyone who was ignorant of the state of the electrics. So, when you complain that you can't do anything in your own house any more (and you can still do most minor works that you'd want to) you know why that is, not that I suspect that would have stopped this cowboy.