Sarah Pennells is joined in the studio by Grant Smith from the National Allotment Society and on the phone with Ruth Hayes, a reporter for the Amateur Gardening Magazine and Martyn Foulds from Halifax Home Insurance to answer your gardening questions and to discuss some of the costs involved from owning an allotment to buying and growing your own fruit and veg and of course making sure your prized plants and gardening equipment is covered with the correct insurance plan.