Thanks Steven,
It was by accident that I ended up with a Buy Out Bond - my previous pension was being wound up, and the job I had at the time didn't have a pension. I was leaving it there as it can be accessed early if I need it when children are in college, but the fact it's paid out tax free if I died is an added benefit.
For the Occupational Pension, if there is a refund of my contributions it'll be a number of years before the 4 times salary limit is reached, but it will get to that level if I remain in the job so it's worth bearing in mind. The rules do seem strange.
Thanks again.