Trooper,Lou and Albert thanks very much for your recommendations lads..I'm going to have a good nosy at the books you've mentioned.
Thank you.
@Albert yep I agree with you 100% regarding the claims it can be a bit annoying but like you I like the uncertainty and the anticipation of a claim being accepted (or denied), and when it is accepted a fist pump and a smile always follows mate.

"Vis unita fortior"

"United Strength is Stronger"