No, I left that out as there's £100 excess on top of the extra so reckoned I can cover the risk. In over 40 years of flying, let's say 8 flights a year on average and this is my first airline failure, not bad odds!
I also have a £500 budget if I have to return home early (illness etc) so I can dip into that. No financial worries, just want to get home - but with more airlines going bust these days (it seems) I will consider the extra insurance next year.
Thanks for the info on T1 - how long would a minimum be to transfer; 15-20 mins? I suppose if the inward flight is delayed they could contact the gate for me - after all it's the same airline!