In The Sunday Telegraph (page 8 (can't provide a link sorry)) is a very interesting article about Pax Insurance. It is, apparently, the MOD's approved insurer but is now "letting down soldiers" as it is not paying out for those who suffer from mental trauma. Now it is in the "small print" about this and there are other get out clauses that mean that this company and others like them will happily take your money but not pay you. In this day and age of increased mental trauma suffered by personnel surely the MOD needs to look into this and try to find a company that will pay out for this sort of thing and not have numerous get out clauses that cover a multitude of sins. Or am I just being cynical when I say (my opinion) that money may be changing hands so the company has a monopoly on this? I remember that my father advised me not to take out any insurance with companies that came onto camp as they were just out to make a quick buck and as an RSM he advised young soldiers to look into more than just one or insurance companies. He also advised me to ask any reps what theie cut was if they got us signed up as we were entitled to know as it was our money that would, ultimately, being paying them. I f they were evasive then look elsewhere.