Yes, we have been here since Oct 2006 but using our E106 which expires in Jan 2008. The irony is that if we hadn't been entitled to the E106 we'd already be in the system and so would be OK! Our problem is that we can't really wait for definitive answers from the Government because unless I get a private policy by 8 Jan 2008 then we'll not be covered at all. We don't qualify for an extension of E106 to 31 March 2008, so I'm told by the CPAM English Helpline. Neither is Newcastle interested. All I'm praying for now is that no pre-exisiting conditions arise between now and 8 January - unlikely I know. I must say I do feel for all in our position but with pre-exisitng conditions. Minnie