Hi Karen
Glad u made it!!!!

As for your Ambulance cover query, you can actually go into your local Post Office and join. Your and your family will be covered immediately. We paid about £120 for all 6 of us, which is'nt bad. I recommend you get it asap as Ive heard the charge for Ambulances are really really expensive here.
Good luck, and if your ever down Mornington way, PM me. There are quire a few PIOers down here!!
Sally-ann x