[Badyalectlawl]

Currently use different cover for my contents and buildings

Contents is with M&S, simply because they only ask for the value of products over 5k and have full cover on things like mountain bikes. A great policy since the items I have are ever changing and some have a fairly substantial value.

The thing about our NHS is it is far from "Free", I pay a good few hundred each month in National insurance the bulk of which goes towards the NHS a service I barely if ever use. Health insurance is only £30-40 a month if I really wanted it.... On the other hand the NHS is a great service and I do not mind paying for it, what is unfortunate is it is over abused and in many places badly managed.