How’s it goin Mike & Big Truck 
… really interesting reading your posts! I’ve been looking rather cautiously at buying a wagon myself. Got CPC sorted & I know there’s a lot of risks but it’s something I’ve dreamt of for years. (I know, tell me I’m bonkers!!!)
But like you said, there’s a lot of homework to do!
I used to work for a small firm who subbied for Davies Turner. They had a few O/D’s pulling for them. Don’t know what the rates were though, but the work was steady enough !
Been told insurance will cost over 5000 
, would that sound about right?