When does a group of items become a collection?

BigTezza

Thanks for the heads up.

I guess there has to be a trade-off somewhere. Then again I've been with insurers before now who have charged a small fortune and their customer service has been absolutely terrible!

I'll see what my existing insurer has to say about collections and also wait and see what the Insure4Retirement policy looks like in the flesh and take it from there. As it seems all roads lead to Axa then it could ultimately just come down to price. We'll see.

Thanks again to all for the advice thus far. :T