"Peter Crosland" wrote in message
...
Legally you have to be competant. Your insurer will be more than unhappy
if they find out.



If they haven't specifically excluded it (or caught it with a rather more
general clause) then pretty much sod all they can do about it.

Might not stop them trying, though.



--
Richard Sampson

mail me at
richard at olifant d-ot co do-t uk