Ok folks my OA issued Aug19 first visit before new rules, now today on new rules, immigration officer went through all documents needed when I showed my screen shot of uk insurance he just read a little then took photos of all my paperwork then issued 1 year stamp :-)
I'm only going for 3 months so why pay for a years insurance? Now I'm thinking of going back to 60day visa so wasted time and money and back on incorrect visa as I travel there frequently