Hi Graham,

That is frightening. I think that deserves to be moved to another topic for discussion as it is opening a whole tin of worms on a different subject. All I can say on my part is that I am a one man band and I don't have these complications. The only comment I can make is that I had a very minor RTA a few months ago which involved in reams of paperwork requiring all sorts of information including headed notepaper, copies of invoices, sales invoices and the like. I await my renewal notice with interest.

Regards

Pete M