Well said norfolk. It can be a disease or an injury and all of a sudden you are left up a creek with no way to afford a paddle. I have three sets of in case insurance and I started them all when I was earning less than my drivers. Does make me sound boring.
I’m lucky that I have had (so far) no cause to call on them. Hopefully it will stay that way and I will count myself a winner despite paying in for around 30 years now.
I hope you recover well Norfolk and best wishes to Lady xichrisxi