Stedi wrote
Many thanks for your thoughts there Markit!... For me not so much a problem, but the wife?, well, that's another story!!
In my experience if you get them to pay they aren't nearly so keen.
If that doesn't dissuade her then try Allianz. I had initially a good deal with them, fully covered was 360,000/year. But even they thought I was mad after 2 or 3 years.