I'm with TP on this one. The problem I have is that many insurance companies now use BMI to assess your risk and amend your premium accordingly, with a BMI of 28 I am a health risk, despite being fit, playing lots of sport, cycling and running marathons I am a bad risk, whereas my skinny mate who has never taken excercise in his life is a good risk.
Try arguing with a call centre employee when they tell you your premium has gone up because your over weight......computer says no.......
Forget pinch tests, imersion tests, BMI etc, look in the mirror, are you fat?