thanks for tips on the discount.
bag 69, i actually always use the various comparison sites and last year got my insurance for around HALF of the post office's cost! thing is i have just checked which sites give best-and worst-reviews, and on this level the post office travel insurance is just miles ahead. no point getting cheap insurance if you can't get hold of the insurance company when you need to, or else they just procrastinate or even won't pay up.
(thanks for the tip though.)