Sorry Nell, I have been a bit behind getting around today, been fuming too much over at my thread.
I wouldn't be in a hurry to reply, wait until he gives you what you need, then you can reply.
I wouldn't be telling him you want to upgrade the cover, not just yet anyway, just say you just want to double check the type of coverage you have to make sure it is adequate. Or something like that.
I may be wrong but I just wouldn't give away too much info just yet.
