I refer the honourable gentleman to the answer given only moments ago! Pax!! Agree, they get bad press but I have used them for several years now and they were as cheap as anyone but always covered the unusual Forces bits that most high street insurers will not! Further, I have now left the mob and they still cover the family at no extra (or indeed less) than they did and even though I now live overseas, they accepted that and did not quibble and have maintained my family's cover even though now ordinarily non-resident in Blighty. Very good as far as I can see (oh yes, made a claim a couple of years ago and was sorted and paid out with no hassle and speedily too). Well worth your consideration.