Thanks all so far. I should clarify, no specifically asked for the insurance, it’s more the ‘what if you get hit by a bus’ situation. There a specialist Diabo insurer, I might get him to try that and see what gives. For the record, I’m sure you’ll all be chuffed to hear that one broker basically said you could forget about getting any critical illness cover. Marvellous.
(ps I wish someone would mis-sell me PPI,I could do with some tax-free-compo ;^))