when we took the gamble i said to my wife .who invested 200,000 php as well that it wasent insured and it was risky. But when it went we both said ow well we had year of checks.which did pay us about 6 or 7 thousand pounds so in fact we dident lose that much but if it goes to court and we get some back great if not ow well. comeing back to uk this year to have a operation (private not nhs) and hopefully come back to philippines with a baby.my wife doenst care as long as we have enouth to eat and pay bills.bills 5,000 php a month thats all so smile and be happy gaz/maybs