Right, I'm a self employed builder and I'm after some personal accident insurance - you know, just incase I cut my thumb off, or fall head first of a scaffold - I also want it to cover sports - ie; all types of running including fell running, and other sports that I might do occasionally such as mountain biking, climbing and skiing.

So far I've had a quote for £648 - I was thinking that this was possibly a tad on the expensive side.

My question - Has anyone else got personal accident insurance which covers fell running and could you recommend a good insurance company + policy?

Many thanks in advance.