We take a hard look at vehicle insurance; too complicated…is that why most people don’t read the small print? • Scams revealed: rip off premiums, fake policy documents and “ghost insurance brokers” take motorists for a ride. • Are you insured for that drive to work and car business use? • Two readings – from vet Malcolm Welshman’s new book and the first chapter from a thriller by a Weymouth author. • Radio Postcard from Croatia – a visit remembered…