i agree! get the insurance, it's not expensive! i watched a programme once about a guy who went skiing, broke his leg and ended up slapped with a 10,000 bill!!!!!!!!!!!! he said "the insurance was 19 pounds and i thought that was too expensive" ... sod's law, if you don't get it you'll wish u had!
i wouldn't worry majella, I'm sure they would have said something if they were concerned about anything!!
and debs, i understand that, do what u need to do! just text me if anything happens!!!