A bit of an update: both NFU and John Pieri have been very helpful and encouraging - they obviously know their stuff and it's so refreshing to get to talk to a real human with imagination and not some call centre bod working from a computer model. I'm confident I'll be in the tourist biz yet! Sybil

If you have protected NCD then that's not the issue, surely - as you won't be penalised at renewal. And, sadly, 'written proof' hardly comes into it as it's generally accepted that if you run into the back of someone, it's your fault! Can you get a phone number from the details you have? I'd contact them and ask that in the first instance they ...

I'm sooo pleased to have seen these posts - I was beginning to give up! I too have a (sadly) vacant grannyflat, and was thinking of a small b&b operation - and found that my insurers RIAS, like Saga won't consider it, though I can have non-paying guests 365 days a year. I currently pay £450pa. Quotes from 'specialist' brokers range from £1000 ...