Thanks for all the replies. So far I have setteled on Lifetime cover so that most problems that crop up should be covered on an ongoing basis. Will be slightly dearer but what's not these days. I've been getting quotes from £8 to £36 I'm not a big reader however I will have to force myself to read all the small print from each concerned.

With Sumo being an Akita also looking at the fact the extra Public Liability would do no harm. Although I hope pray inever need it.