Thanks guys. I always thought it was > 8 seats that caused insurance issues, but when I bought my latest 80 (8 seater) I discovered that 8 (as opposed to 7) makes insurers suck their teeth. (Never had a single comment with the wife's 7 seater galaxy, but both insurers I've discussed the 80 with had to check with the underwriters - who then OKed it.)
With 4 kids + a wife I need to keep the third row in, but would obviously be prepared to remove the rearmost lapbelt if that made it a 7 seater!
Gary - when saying no-one older than a 10 year old could sit there comfortably do you mean the back row generally, or specifically the middle seat?