Ok, if I had started a thread with the same advice, people would have thought I was aiming it at Doug wouldn't they. I am using his service as an example of my concern. Not saying he is a concern.
The current police checks is a point I make all the time, I need one every year, but the day after I get it I can do something wrong but still have a current clear police check!
And if he and others do check insurance I have helped him and others :-)