Glad to hear you are okay CB... thats always the most important thing.
We dont have to have insurance here. We HAVE to have 3rd party insurance but that is automatically included in our car registration (for when you do injure a person in an accident). I have insurance..... but thats because if I were to hit anyone you can bet it would be a rare $1,000,000 Ferrari or something.
I have a few dings in my car but even with full insurance the overpayment gap thingie (gods my brain is gone) would cost as much as the repair.

The only time I ever used it fully was when I was slammed up the back by a stupid woman using a mobile phone and it wiped our car out... badly injured me AND my precious girls... they still suffer with terrible pain in their spines and neck. Whiplash is a bugger! We were only lucky that the crash happened two weeks before they decided NOT to pay out on whiplash injuries ever again. (Heaven help the poor people after that date).
Children bring home NITS Dotsie...and more germs on one finger than you have ever seen under a microscope mate! ANd snotty dribbling noses, and dead birds (that they know you might not like so they hide them in thier room for a week)

and and and when they get older they bring home BOYS!!!!! Nasty slimey germy boys that you KNOW, YOU KNOW!!!!!! are after only one thing and who look you in the eye and smile at you like you dont have ANY idea what snotty little slimeballs they are and you are supposed to smile back you are.... but you look them RIGHT BACK IN THE EYE and SMILE

like "Yeah mate! I know what YOU are up to!"

and you cock your head to one side and smile really big when you catch them oggling your daughters cleavage and then they KNOW you are one to them! Oh yeahhhhhhhhh.... nits are the easy part Dots!
Or maybe its harder when she breaks up with the NICEST guy in the world after two years

and you phone him to make sure hes handling it okay and you try to be objective and say things like "Well as long as you are happy darling... and you are SURE you arent going to get back together with him? No? Not for mummy? No? Damn!"

Just keep swimming... just keep swimming.. just keep swimming....