It's that time of year again for all the hassle with insurance.

Had two brokers this year that could not get me cover without lots of requirements such as all tool boxes to be chained to wall, all cutting gear like oxy bottles to be locked in a separate place (to prevent cutting chains holding toolboxes), all tools on shadow boards have to be locked away, all boxes of timing belt tools etc have to be locked away, all car keys to be taken home or locked in a safe, got to provide dates of last 5 yearly electrical safety test and date of last pat testing. It went on and on.

Axa, my existing company have not insisted on any of this but have included a leaflet with my renewal that clearly states that I should comply with all HSE guidelines regarding electrical testing and pats testing.

How do you lot go on doing these tests? HSE say if you employ less than 5 there is no legal requirement, but if you had an electrical fire where would you stand if you had not done the tests?

To cap it all, I lost my driving license at Christmas for 12 months thanks to DVLA not taking the recommendations of two doctors and a consultant and then just ticking a box and sending the letter. Wonder why I bother sometimes

Graham