Hi James,
I took the insurance package with Paul Jones Services in the end. Got in touch with a financial advisor and he searched around and came back saying for the price, the deal with Paul Jones is a pretty good one, and will make things simpler if you need to claim etc.
I'm due to go to NZ on CP55, so the insurance is now in place.
(I think i was on your phase 2 assessment day a while back, glad to hear you also got through!)
Good luck,
Matt