Thanks a bunch folks,

I'm hoping that as a responsible peep in a 'no risk' profession, I would carry little risk in an insurer's eyes. I'm guessing it's just a formality that I need to cross off, but Mav's figure scared me rigid. Having thought about it over a pint or two and 30 questions in the pub quiz, I'm hopefull that I'll get sorted for very little as my risk to others is 'very little'.

Thanks for the help fellow DSC'ers