Hi, yes indeed you are correct, reducing the hours to 24 did allow the insurance to go through as a permissible expense. I will need to research the HMRC position on this, thank you for the links.
On the other subject, I have been in the hands of the customer care team for 36 hours now and I am told that my case has been escalated to a higher level.
However, this amount of time with no clear assistance is likely to lead to me cancelling my subscription today. This is too long to wait for people being trusted with such important data . I was prepared to put up with the variable success of the mileage tracker and its habit of flattening my iPhone battery in half the usual time but it is now a matter of trust.
Thanks for your help with the hours and I hope your time was not wasted.