Thank you once again for your replies and the benefit of your experience. I have just cancelled with Egg and gone to Adrian Flux - cheers for the recommendation DemonPaul. My refund from Egg for 8 or 9 months was £499 and the policy with Adrian Flux was £464 including the mods, with the same excess (others were increased) and they were great to deal with.
I now have to go and obtain an induction kit and decide whether to sports cat or de-cat my Zed. If I do de-cat then the guy who does the MOT on it said to put the std cat back on for him to MOT (if required). Looks like I now need a BMC CDA (cannot afford the ITG really), I will review the info here to see about a de-cat / sports cat.
Later...
Greg
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MGZS180+ Le Mans Green Hatch 2003
S/S Cat Back Cobra Sports Exhaust
ITG Induction
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