Kermit,
In the UK there is NO rule against landing in your own front gardan. The 28 day rule allows any use of land so long as it's no more than 28 days in any one year.
I regularly 'drop in' to see my dad by landing in his 200m 1in7 paddock - whats wrong with that..?
As for insurance premiums you are WRONG - The spam can club boys running off the end of long grass 'strips' in PA28's are far more likely to cause insurance hikes than seasoned strip flyers... Ask yourself one question - who is likely to carry out a sucessful forced landing - a tailwheel strip flyer or a club PA28/152 driver?
I know who my money would be on!
Kingy