Chris I hope you are well now ? Very interesting comments ,many thanks. You've helped me to decide. I am in my early 50's and my good lady in her late 40's--common law rather than married. Very much interested in your level of cover you both have for monthly premiums of 65 Euros.We would like to have a joint policy for a similar amount of money. Could you please give some contact information and are they English speaking ? We are moving to France to live very soon--2 years on a S1(e106)-so need top up-while setting up a small B & B on the Auto Enpren' system. Look forward to hearing from you and thanks in advance. Kind Regards ---Steve