client denied by server configuration - misconfigured host settings

I've got a fresh install and am having problems.

Internally (intranet) I can get to the site and see it but the error log displays the following:

[Wed Oct 04 17:33:26 2006] [error] [client 192.168.0.110] client denied by server configuration: /srv/www/htdocs/zen_andystyres/includes/templates/nightfall/images/index.php, referer: http://andystyres.redgerry.com/index.php?main_page=

Externally nothing is displayed, only the error message:

[an error occurred while processing this directive] You don't have permission to access the requested directory. There is either no index document or the directory is read-protected. [an error occurred while processing this directive]

Error log:

[Wed Oct 04 18:10:58 2006] [error] [client 86.142.130.150] client denied by server configuration: /srv/www/htdocs/zen_andystyres/
[Wed Oct 04 18:10:58 2006] [error] [client 86.142.130.150] unable to include potential exec "include/top.html" in parsed file /usr/share/apache2/error/HTTP_FORBIDDEN.html.var
[Wed Oct 04 18:10:58 2006] [error] [client 86.142.130.150] unable to include potential exec "include/bottom.html" in parsed file /usr/share/apache2/error/HTTP_FORBIDDEN.html.var

I run some 14 virtual hosts and another zen site:

http://zendemo.redgerry.com/

these all work fine and have no errors but this new one: http://andystyres.redgerry.com just refuses to play!, I run my own Suse Linux server with all the bells and whistles but have hit a wall here and admit to being baffled. All permissions and ownerships have been checked and I've also trawled the apache support forums with no indication of a cause or solution.

client denied by server configuration: /srv/www/htdocs/zen_andystyres/
You don't have permission to access the requested directory. There is either no index document or the directory is read-protected.

You're likely running your apache service as a user called "apache" or "nobody". This user may not have valid permissions to access the /srv/www/htdocs/zen_andystyres folder.

Your http.conf settings for apache may not properly allow access to /srv/www/htdocs

Seems like a combination of Filesystem permissions and Apache configuration settings.

Ahhhhhhh

When I had created the Virtualhost file I didn't put the .conf at the end... talk about wood for the trees.

Thanks a lot for your pointers!