Category: Experiences

From business to personal life – its full of experiences

  • Navigating Insurance Claims with Car Rentals: Lessons Learned

    Navigating Insurance Claims with Car Rentals: Lessons Learned

    For some years I have been happily using Car Excess insurance when renting cars around Europe. For £60 a year it seemed like a bargain to avoid all the rip off extras that the hire car companies load on top of the prices they advertise.

    The Lessons from this story are:

    1. Be careful that you have and keep hold of copies of receipts and contracts.
    2. Be careful what insurances you are choosing not to take out with the hire company, like recovery.
    3. The Excess insurance worked, but you need to be prepared to follow a rigorous procedure.

    I normally book the car through Holiday Autos and pick out the best deal going from the list their portal produces and never take out the additional excess insurances, much to the dismay of the people on the counters.

    You have to be careful, as they are always changing what your fee covers and as long as nothing goes wrong everything is OK, until the day something goes wrong.

    Back in Dec 2024, I rented a car from Enterprise CH in Switzerland, a very reputable company to enjoy the opening week of the ski season. All went well until the last day. We packed the car and set off for the slopes. As we left the appt there was a bumping noise and a rumble – flat tyre.

    The breakdown

    My mate trying to fix the puncture

    Unfortunately, I had a nail through the tyre, there was no spare provided and the tyre was ripped so no chance of using the inflator kit they provided rather than a spare. So, I called Enterprise Ch to discover that I had not taken out the rescue service and I would have to pay for the call out, which would be about 100 – 150 euros. Not to worry, as I had insurance.

    A local recovery garage arrived, towed the car to their depot, fitted a new tyre and we were off to the slopes with a couple of hours missed. The next day we dropped the car back to Geneva airport, no issues at the check in and no mention of the tyre damage and apparently all good.

    Enterprise Car Hire

    All good until we received the credit card bill. Enterprise had taken out £1000, which was the full amount of the “virtual” deposit on the credit card. There was no warning, no emails to explain, no paperwork, they just took out the money, unfortunately it was on Christmas Eve when the world was shutting down.

    Repeated attempts to contact Enterprise Switzerland got me nowhere. Calls to their number just rang out and emails were all ignored. Eventually I spoke to Enterprise UK who were very helpful, found out the cost of the repairs and sent me the information. The repair bill was £450 (yes, get that, £450 for a Renault Clio tyre) but they could not explain why the £1000 had been taken and couldn’t help with a refund of the balance.

    AXA Car Insurance

    Time to contact AXA insurance and reclaim excess. This was all online and a long list of documentation they required.   Obvious stuff like receipts, contracts, invoices and evidence of payments. None of it seemed unreasonable to be honest, they had their due diligence to follow, and it should have been straightforward.

    A tow truck is pulling a red car in a narrow, snow-dusted street. The background features buildings and a light snowfall.

    At this point the AXA process met the Enterprise process, and I was in the middle. Checking my emails I realised I had paid Holiday Autos, so I did not have a receipt from Enterprise. You will all know that when you rent a car there are all sorts of things you sign at the desk, and they normally print off or email you confirmation of the contracts etc.  

    Enterprise CH processes had been so slimmed down they didn’t exist, I didn’t receive anything in paper or electronically, so I had no record of their contracts. I also don’t believe there are any people involved other than those at the airport desk – there is simply no back up.

    Numerous attempts to contact Enterprise CH failed, and Enterprise UK always did their best to help (normally logging complaints on their system directly to Switzerland but they were ignored to). Digging around on their website I eventually I pulled together most of the information for the AXA claim and sent it off.

    AXA allocated an agent to manage the claim, and over the next 10 weeks, AXA would ask a complicated question, I would do my best to find an answer, AXA would say “you haven’t replied we are shutting the claim”, I’d explain I had replied and around we would go again with the questions. On reflection whilst writing this blog, I am wondering if I was dealing with some sort of bot.

    At one point, AXA asked for a receipt for the tyre fitting. Obviously, Enterprise CH didn’t respond, Enterprise UK said it wasn’t in their system so I had to track down the recovery garage in France, who were very helpful but pointed out they couldn’t give me the receipt because I wasn’t the customer, it was confidential. Back to AXA to explain again, and then we had the whole “you haven’t replied” saga again.

    On my next trip to France, I decided to go into Geneva Airport and speak to the guys on the rental desk and try to get the information directly. This nearly worked, as the guy on the desk did explain that Enterprise CH were absolutely useless, had no back-office staff and ignore customer complaints, it seems that is their policy.

    He explained that they didn’t keep any records, so there would be no copy of the invoice for the tyre and recovery, apparently, they pay the bill and throw the paperwork away.

    This sounds incredible, but all the evidence was suggesting he was right. In the meantime, we had unexpectedly received a refund to our credit card of the £550 theyowed us, there was no warning, it just appeared 2 months later on the credit card bill.  At least there was some good news.

    Meanwhile, back at AXA they then informed me they were unhappy with a clause in the Enterprise contract and couldn’t proceed unless I addressed it, I was totally bemused at this point.

    Unexpected payout

    What on earth was going on at AXA, and I concluded their processes were designed to ensure they did not pay out on the insurance. They asked for a receipt that I would not expect to have access to, between Enterprise and the garage, and now they were challenging the standard contract terms – WTF.

    I have to admit that at this point, I had given up hope of reclaiming the £450 for the tyre and was just grateful to have got the balance of the deposit.

    Then in early April (3 months on), totally out of the blue, £450 appeared in my bank account from a cryptic source. This was rather mysterious and coincidental, as it was the exactly the amount I was owed by AXA. A couple of day later an email arrived confirming they had settled my claim in full and that they would like to have a call.

    In the call, t transpired that someone had undertaken an audit of my claim and discovered that the agent I was dealing with had been “over enthusiastic”, which I took to mean was a complete idiot.  

    As this was my first claim on this type of insurance, one of the lessons is that if you start getting impossible questions don’t assume the person at the other end has a brain so escalate it. I might not have even been dealing with a person, it might have been a bot.

    In hindsight I think AXA did OK, because they spotted their internal failure and dealt with it. I can’t say the same for Enterprise CH, who I would never ever use again.

  • Adventures with the Widey Tech sailing club

    Adventures with the Widey Tech sailing club

    My first near experience of dicing with death

    Over my lifetime I have had many close encounters with disasters that could have ended much worse than they did. Most normal people don’t get themselves into these situations in the way that I seem to. This story is about the first of those close encounters and includes a bit of history about a very unique school I was privileged to attend.

    Born and bred in Plymouth, I grew up loving the sea and still do. My dad was a shipwright in the dockyard and worked on boats all his life. Even though he was an accomplished student at school he wasn’t interested in following my grandad into the city council treasury, he wanted to work on boats and by the time he was 16 he had built his own canoe that he used for fishing.

    A different era

    This story is from an era where education was bigger than just books, and value wasn’t simply based on whether the school talked you into going to university, so some readers may find the fact that a school had its own sailing club is a bit odd. But then again, my school was a bit unusual, it was called Widey Technical Secondary School, this was an experiment from the early 1960s when educational visionaries recognised that not all bright kids were destined for jobs in banks.

    Widey Tech school

    The school focused on given bright kids who had passed their 11 plus a route to develop craft and engineering skills, not just academic skills. Consequently, the school had a fully equipped metalwork lab with lathes and lethal equipment nobody would dream of putting near kids (or most adults) nowadays. It also had a woodwork lab and by the time he was 15, my mate Paddy McDermott had built a boat for his CSE project and happily rowed it down the Tamar River with his mates.

    In hindsight, this was all genius, because the major employer in the city was the Royal Naval dockyard and it enjoyed the benefits of a grammar level school churning out pupils ready to go into the dockyard as high performing apprentices in engineering. If only education and industry were as joined up now.

    Unfortunately, I wasn’t one of the school successes. I didn’t seem to have much in the way of talents for woodwork or metalwork. The first project in woodwork was to make a dovetail joint which never seemed to fit properly and went on for months, and metalwork seemed to involve hours of filing which was very boring.

    Racing Cadet dingies

    It wasn’t helped by my old man taking the mickey out of everything (he was a very good craftsman) I created and was assertive that I should never go into the dockyard. Generally, and unlike any of the other boys, I lost interest in these craft topics and by the time options selection came along I chose History and French.

    Widey School Sailing Club

    However, I still loved the sea and was very excited to be able to join the Sailing Club when I was old enough (there was a minimum age, 13 I think). The school had a little flotilla of boats for us to learn on. So, at the start of the summer, we all had to head to the Barbican and do our share of sanding and rubbing down to get the boats ready for the summer season, all under the watchful eye of the teachers, Max Wall and Paddy Padfield, we had 4 different types of boats.

    1. A GP14, this is the big boat with 3 people, a helm and 2 crew and normally had a teacher in charge
    2. A Mirror, this was much more modern than the others but only 2 people, I was never one of them.
    3. Cadets, a little research has unearthed that these are designed as training boats for youths, and we seemed to have a few of these.
    4. Safety boat with an outboard motor that pottered around following the flotilla rescuing people.

    3 times a week we would look forward to going sailing, Tuesday and Thursday evenings and Saturday morning. One of the first things I learned was that we only went out when the wind was below force 4 as a safety precaution, I also learned that force 4 winds cause the tops of the trees to move.  Every sailing day I’d be checking the tops of trees as we moved between classrooms keeping my fingers crossed, we’d be going out that night, but it often ended in disappointment. At the end of the day Plymouth is a windy city on the ocean, and I was amazed how many days were lost from high winds.

    Sailing dingy

    It’s fair to say that I didn’t turn out to be a brilliant sailor. Maybe it was lack of attention to detail or in fact attention to anything I was told, the boats were a bit uncomfortable and when I did go out in a Cadet they seemed to have a habit of capsizing for some reason, so more and more time was spent in the GP14 with the teachers or in the safety boat. It was almost as if the capsizing was my fault and I couldn’t be trusted.

    The safety boat could be more fun as my love of the sea had got me into fishing, if Paddy was driving, I could take my fishing gear and a hand line and drop the lure out of the boat and do something useful with my time as we followed the flotilla around Plymouth Sound. Max didn’t approve of the fishing from the school safety boat so that curtailed my activities on occasions.

    Widey Techn annual sailing day, 1974

    Then came the annual Widey Sailing School Day out. We all congregated at the club on the Barbican at 9am with our packed lunches, warm cloths and looked forward to our freeby day off school. The weather didn’t look good, grey skies and spitting with rain, it seemed a bit windy to me but off we went anyway. Circumnavigating Plymouth Sound took most of the morning, backwards and forwards trying to get to Cawsand Bay, then more backwards and forwards as we tried to get out of it again.

    Unfortunately, I was in the larger GP14 again under the watchful eye of Max rather than the Safety Boat, as I’m sure the fishing would have been good but instead, I spent the morning banging my knees and toes on the keel board thingy in the dingy.

    Penlee point

    Eventually, we pulled into a little cove on Penlee Point and onto the beach. I knew it well as we often pulled in there in my dad’s boat, I used to be allowed to row around in his tender, attached by a rope because I couldn’t be trusted, but at least I was afloat and unsupervised. Even though the beach was sheltered, outside the cove we were a good mile outside the protection of the Plymouth Breakwater, out in the English Channel.

    As lads we messed around on the beach, ate our lunch and did most of the things we were told not to. Eventually the teachers couldn’t take anymore and decided it was time to go. As the boat allocations for the trip back were being made, I was amazed to be allocated to one of the little Cadets rather than the Safety Boat.

    Dicing with death

    That meant I had to concentrate, and as we pulled away from the beach, I got a lecture from the helm, I bloke called Robins who was a couple of years older, about doing what I was told. We could see the sea beyond the cove and the waves were now bigger as the swell had picked up in the channel. As normal I was in a scruffy mess, my lifejacket was untied and the rope was floating around near my feet and getting in the way. So for my  own convenience rather than any thoughts of safety,  I tied it around my waist and was ready for action. We were the first boat out of the cove, so it was very exciting.

    Penlee point beach

    As the little dingy pulled out we needed to tack quickly and run with the swell. In a swift and totally unpractised manoeuvre, we swung into action.  As we hit the swell, “Ready about” was the shout and before I knew it there were sails and bodies flying everywhere and we new it we were in the freezing cold sea. Robins gave me daggers as we tumbled over the side, I don’t know why as it was his fault.

    I felt myself come to the surface but for some reason couldn’t find any air, after a bit of panicking and fighting for air, I realised I was under the mainsail and swam out from underneath to find fresh air and a deep green/grey sea everywhere.

    Initially, being wet and cold, I just wanted the safety of being back in the boat. I started to swim towards the boat, but smart-ass Robins got there first and clambered in. Unbelievably, with his weight changing the balance of the boat, it righted itself and the wind caught the sail and off he went, admittedly largely out of control but putting an alarming gap between me and salvation.

    I remember those minutes in the water as if it was yesterday, I guess that is what shock does to your mind.  There was no one around, the other boats were still coming out of the cove, so I was totally alone. Off Penlee Point the swell was bigger as it came around the headland, I was looking around at the swell lifting and dropping me back down in what felt like huge valleys of water., with white crests on the top of the waves slapping me in the face.

    Penlee point coastguard

    I remember thinking, “Thank God I did my lifejacket up”, because if I hadn’t, I’d probably have slipped through it and gone down under with the weight of a woolly jumper and other cloths. I then noticed my shoe bobbing along on the next wave and thinking I need to rescue it, or my old man would give me a battering so swam off to save my shoe.

    In the distance, our dingy capsized again, which was excellent news for me, and I started to swim for the boat again, it was a couple hundred yards away by now, but I had to do something.  Then the GP14 appeared with Max in charge, as it sailed past surfing down one of the waves he shouted, “Are you OK”, probably one of the daftest questions ever, of course I wasn’t OK, I was about to drown. “Yes, I’m fine, sir” I shouted back, so he sailed off and I was left bobbing around on my own again, trying to spot my shoes.

    My saviour

    Finally my saviour appeared over the crests of the waves and surfed past me in the form of the Safety Boat with Paddy at the helm. As with the GP14 he did a first pass, surfing down the face of one of the waves, he shouted “What are you doing in there”, the sort of question a teacher asks a pupil I guess, so I responded “Fishing, what do you think”.

    Safety boat

    He then went around and skilfully came alongside me, using the boat to protect me from the waves and was about to dragged me onboard when I spotted my shoe, so I wriggled clear and swam to get the shoe as I couldn’t leave it behind. I swam back and was then heaved out of the sea by the crew of the safety boat. I was dripping wet hugely relieved that I wasn’t dead, but a lot less enthusiastic about sailing than I had been. 

    We then went over and rescued Robins and secured his dingy to the rescue boat before hatching the plan to get us home. Annoyingly, that plan involved me getting back in the Cadet with Robins and sailing it back to the Barbican. I think it was on the basis of kill or cure, and it would help us get over it any fears that might have developed.

    It is fair to say that the atmosphere between Robins and me was a bit frosty, and we didn’t talk much on the way back, so some reason he seemed to blame me for his incompetence, but someone has to be blamed, I guess.

    When we got ashore, I dried off and was on the bus home to tell my mum as soon as I could. I honestly don’t remember going dingy sailing again until I joined the BBC Sailing Club on the Thames 15 years later, but that was more to do with a bar and BBQs than a desire to be a sailor.

    That night, and for many nights later I relived that experience in the water. I still do now, which is why I’m writing this blog as the memory is so vivid. I still have nightmare moments that focus in on “what would have happened if I hadn’t done up that lifejacket to get rid of the strap”.

    I’ll be forever grateful to Paddy, the teacher for rescuing me and the sight of the Safety Boat surfing along the tops of the waves actually gave me hope, as I thought I was done for.

    The process of writing this blog has left me with two thoughts.

    1. What a brilliant education idea Technical Grammar schools were. They were totally designed to create employable young people ready to go into engineering, we have absolutely nothing like that anymore.
    2. Shock, if this incident could be so embedded in my head, what must it be like for people who have much more severe experiences, whether it’s the traumatic things we see on the TV or the experiences of the armed forces and rescue services that are happening all the time. Maybe if there are lots of them, they overwrite each other or maybe it was because I was young.

    This wasn’t to be my last close encounter with disaster, but it was my first and I’ve never forgotten it.

  • My weight loss journey: 7 Years of Transformation

    My weight loss journey: 7 Years of Transformation

    As my youngest daughter pointed out, I’ve probably had an extra 10 years of life thanks to the weight loss.

    This graph tracks my weight from the start of the journey in Episode 1 back in 2017, to where I am today. As you can see, it has been a bit of a roller coaster with lots of ups and downs.

    I never expected to maintain it the mid 13 stone lower levels but I have managed to keep it within a reasonable boundary in the mid 14 stones, which was roughly 2 stone lighter than my norm before I started so that has been really good.

    Click here to follow the rest of My Weight Loss Journey

    Climbing Rainbow Mountain, Peru

    This has had a radical impact on my life, I have been absolutely amazed what abuse the body of a 60 something can take, just keep pushing it as far as it will go but listen carefully to what you body is saying.

    7 years ago I was a workaholic, in 2018 I became a sort of dietaholic, and then moved on to being a sort fitnessaholic which gave me an overall much better worklife balance and helped me along the road to retirement.

    Being lighter made me so much happier, I always hated tight cloths so being able to walk around in smaller sizes and not having them stretching the seems was great for self confidence.

    Surfing in Bali

    But I lived in fear of putting the weight back on, and going back to the bigger me and having to go through the battle to lose weight, I didn’t want to have to do that again as it felt like a one off experience.

    You have to watch your calorie consumption constantly if you have an appetite for food and beer like mine. In the graph you can see the drops, that is normally after a holiday or there is a particular challenge coming up and I start calorie counting, that tends to focus the mind on what you are eating, you avoid the snacks and know the cost of alcohol so don’t do it – or at least make the right choices.

    Aspire Europe 10km run charity challenge
    The company team entered the 10km together for charity, it was a first time for all of us

    I am constantly setting targets, I hated running but decided to do the Bristol 10km as a challenge, I ended up running 10km twice a week and eventually did a half marathon.

    During Covid, I used the time to cycle. I cut down on the mountain biking as I guessed I wouldn’t be popular in hospital if I had a crash, so started doing longer rides, 50km, then 100km and finally 100 miles in a day – these were tough but so glad I’ve done them, and all of them on my own without support of a group.

    Competed a half marathon
    Running a half marathon distance, on my own was a massive adrenalin rush.

    In fact, I then found out the qualifying time of the GB Over 60 Triathlon team run and managed to achieve it in a 5km sprint, at this point I decided I had to stop somewhere at that was it.

    Ran a sub 25min 5 km run
    The day I cracked the sub 25 min 5km at 61, on a wet January afternoon, just for fun !

    I had my hip replaced last year after I smashed it on a mountain bike fall in France, but within 2 weeks I was back in the gym, 4 weeks did 50km on the bike and 6 weeks I was back playing football because if you keep yourself fit and have reasonable control of your weight there is surprisingly few things you can’t do and overcome.

    Hip replacement completed
    Up and about straight after the op, walking without crutches after a week and back in the gym after a month!

    So that’s it, after the diet you need to find your equilibrium and focus on staying in that zone.

    I am normally about 14st 8lb now, I’m happier a few pounds less but if I start to go too much above it then it is time to start calories counting again !

    See the rest of my Weight loss journey posts.

  • My weight loss journey: Myth busters

    My weight loss journey: Myth busters

    The key lessons from my 7 years of managing my weight

    I learned a lot from doing Man v Fat, we all did really well, losing 10-20% of our weight over 4 months. It was lots of fun but very competitive as well.

    Click here to follow the res of My Weight Loss Journey

    The basic principle is that our bodies are machines that need fuel.

    Too much input and the body stores it for a rainy day, too much output and the body calls on its reserves to survive and burns the fat.  We are still Mk 1 human beings and our bodies know how to survive, they just don’t know too much about modern living and junk food !

    To  lose weight you have to reduce incoming and increase outgoing.  Trying to lose weight just on exercise is very  very hard, 1lb in weight is 3500 calories, so to lose 1lb through exercise you need to do 7 x 500kcal sessions in the gym, or walk up Snowdon once a week (roughly what I burned doing that).

    So basically this is a calorie burning project, there are lots of ways to do it, diets, exercise, fasting – loads of options, but the only thing that matters is reducing input and increasing output.

    1. A male needs 2500 per day – not convinced about this one. We are all different and if I took in 2500 every day I’d be the size of an elephant, and I do loads of exercise.
    2. Muscle turns to fat – nope, it turns to flab, which is different, it can be rebuilt, this is why athletes use steroids, once a muscle has been grown, it can always go back to the maximum size.
    3. Turn fat in muscle – nope, burn off the fat, it cant turn into muscle, that needs protein and fibre.
    4. Muscle burns calories faster – this is actually true but if you start doing weights you will get heavier so this is something for 3 months down the track. I’ve got mates who are the literal muscle brick shit houses and they do burn calories but they are unique.  We don’t want minor weight gains in muscles affecting your weight downward trend.

    Your action plan

    So what we need is the tools to manage our calories, so here goes

    1. Get the myfitnesspal app – this is where you log your food and it also pulls in the data from your exercise tracker to work out your daily score. 
    2. Exercise tracker – you can do this on a phone but it is much better with a watch that is counting steps and importantly heart rate.  I’ve got a Garmin because of the other sports, but Apple and the others are just as good.
    3. Linking the two can be a bit of a faff because it involves personal data permissions but stick with it.

    So for the first week, get the tools set up and you can start tracking your food intake.

    Food intake – don’t get bogged down in being too precise, I spend about 2 minutes a day  on this max. Most of the food we eat is available in the tracker, it’s just working out the portion sizes.

  • My weight loss journey – how exercise changed my life

    My weight loss journey – how exercise changed my life

    If you set yourself a vision then you should enjoy it

    Click here to follow the res of My Weight Loss Journey

    Suring at Pernpuk

    Stick with the method

    In hindsight, once I had the method sorted it wasn’t difficult at all, it was just a case of keeping going. By the start of May I was back on the board after hardly doing any surfing for years Being much lighter and stronger made a massive difference to what I could do, I not only found my football mojo I rediscovered my surfing mojo as well.

    I didn’t give up anything I liked, and in fact, ate a lot more of the things I like which fortunately are mostly protein.  One cappuccino a day instead of 3, 2 bottles of beer instead of 2 pints, it all adds up.

    I’ve had to change all my cloths and now buy L or XL rather than XXL and XXXL and was a buzz getting into the Levi’s I bought 20 years earlier, and in fact they  are too big for me know.

    I’ve also been absolutely amazed at how fit and strong a 59 year olds body can be, now that most of the muscle and joint problems have been fixed by exercise it does feel like there are not limits. I’d always liked Superdry, but their t-shirts and stuff were always too tight, so a new wardrobe of Superdry clobber made me so happy.

    New cloths, new lifestyle

    So I didn’t have to buy baggy or out of shape cloths, I can wear anything I want, I’ve had all my suits taken in round the waist and the shirts that I had “grown” out of are now the ones I wear all the time. To make sure I don’t grow back I haven’t kept my “fat wardrobe”, it’s all gone to the charity shop so I can enjoy buying new stuff.

    The icing on the cake was when a mate, who had been following bits and pieces on facebook got in touch quite out of the blue from Brisbane, he was still playing competitive football in his 50s. On a trip down under I’d watched one of his games and couldn’t believe he was still playing at his age. This turned into an adventure that I didn’t expect.

    He posted on Facebook he was about to play in a football tournament in Bali for his club the Brisbane Lions. I joked that I could have played and surfed at the same time and before I knew it I’d agreed to play to travel to Australia to play in a tournament, I combined with my surfing trip to Bali and canned the trip to NZ, you only live once !

    So in 15 months, I had gone from hobbling around a football pitch shouting at the boys to playing in an international football tournament in Australia and surfing in Bali. All this was possible because the exercise helped free up my arthritis, which in turn meant I could do more exercise – it was a wonderful cycle and I’ve since discovered that there is a lot of research to support this now.

    Mountain biking Forest of Dean

    At the start of summer training for the boys team, instead of having me shouting at them from the touch line, Gary and I were leading them around the field doing circuits and playing in the practice games showing them how it should be done.

    Managing the Swiss Valley youth team
    The boys ended the season as League 1 champions after years of being also rans

    But most of all I feel happy and confidence, its really nice people paying me compliments and its not something that’s ever happened in the past. The last year probably sounds like it was a party but we had really tough times in work, but I am 100% sure that I got through it because of the health journey.

    Achievements

    I appreciate that I have opportunities that others won’t, but if you grab everything that comes along you can make a massive difference, so my life changed in 2018 to this extent:

    1. I won my first football tournament in over 30 years
    2. I’ve met more pals during the last year than in 20 previous years in the area, and some of them are now incredibly good friends
    3. I went half way around the world to play football
    4. I achieved a dream of surfing off a boat in Bali
    5. Spent a week travelling along the surf coast of northern Spain with my youngest lad surfing and camping
    6. My boys football team won the league, they have gone from bottom of division 2 to winning division 1 of their year group in 15 months – largely because Gary and myself were fit enough to lead the fitness training and improve their discipline
    7. I even bought a Mini Cooper S so I could have more fun – I was young again
    Surfing at Perunpuk
    I really really did do it