Insurance renewal...

I got a letter from Footman James today. My insurance renewal is due on the 3rd of February. If things stay as they are then I won't be able to renew my insurance and this will finally force me off the road and put an end to all this. It is something I've dreaded for the last 12 months. It's as bad as losing my licence. I feel like a part of me has died. Things can only get better as the song goes.