1) House Insurance – Just found out our Building s and contents insurance ran out in 2007 so need to get some.

Is M&S still the insurer of choice for STW? Is that buildings as well as contents?

2) **** toenails! What is the point in them? Just ripped half my big toenail off and it hurts! Cannot wear shoes, cannot ride my bike. Cannot repair flooded kitchen (see above)! Fecked off!

1) yes

2) they're for chewing, obviously!

Bad luck on the flood/insurance incompatibility, mate.

John Lewis do their own 'Greenbee Insurance' – Unlimited buildings and contents cover – Better features than M&S I've just swapped to them.