Thanks for all the responses,very helpful! I'll speak to my IP and let you know what he says. Thanks again.

Thanks for the flood of useful information and opinions. I've contacted a few different companies and will see how it all plays out. As you've all been so helpful I have another 1 for you. Me and my partner are desperate to have a baby as we're both approaching 30, do companies allow for this in you...

Sorry this warren.84 but have changed username

Thanks to everyone that has responded so far didn't expect it to happen so quickly. Some really helpful points. Does anyone know of any recommended IVA companies that don't charge upfront fees as we don't currently have 2 pennies to rub together.