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Thank you vinny. That's what I was hoping. My dilemma is what to put on the online form. I want to use the online service because of the local authority passport checking option (I have an ID card but may have to travel to the US for work in the summer). The form does not allow me to skip questions. Lying would be a bad idea, I am sure. And once I've put it on there that I didn't have comprehensive insurance, will that not simply give the home office a reason to refuse my application?