Thanks for the answers fellas.
I have to admit to not having even looked under the bonnet yet - Ive only driven it twice recently and thats when I've noticed it.
Its a '99 Ratty. No Mud recently, but a few puddles
Not used it for a few weeks, then took it for the MOT and it passed. Driving home (up a hill) I noticed a drop in power, and the temp gauge was high. Coasted down the hill and it quickly went down to about 3/4 and on I went, power returned. Same last night, but without the power drop. As I said, the cabin heater has no heat either.
I'll check the water pump, hoses and filler cap as well as the dreaded oil/water/oil scenario as soon as I get a chance.
Thanks again for your replies so far.
(I knew it sailing throught the MOT was a bad omen!!!!!)