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    Jan - I know a bit about the insurance side of thing and I expect it would actually reduce in price if it became more widely accessed. Also I suspect that employer funded PME packages would become more common and should be encouraged by government. I am also suggesting that tax relief on premiums should be given and, if done in the same way as for pensions everyone, even a non-taxpayer, would only pay £80 out of every £100 spent on it. Insurance cover would need to meet a minimum standard to qualify for the tax relief with companies expected to publish claims experience, which would be part of the quality testing.

    As for tax reducing - well that should be part of the deal, full stop.

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