Hi RHeathfield,
I can't tell you about the insurance, but I can tell you about the Maldives. I went nearly 4 years ago for my 50th birthday, and what a truely magical place the Maldives is. "Parkers" posted a question on here on the 7th October, asking about the Maldives, so I sent her some photo's. Have you ever been before?
You are sooooooo lucky. We were saving to go agin but we need a new roof, but having looked at all the photo's again, I want to say sod the roof, and keep changing the buckets, the rains got to stop sometimes.........:-)
xx