Just thought I'd update this thread with my findings.
I found a fab suite of software called DreamSuite1 by AutoFX. In particular, the "Liquid Metal" effect is the one that I really wanted (on it's own it costs $50). However, I bought the whole load of 18 effects for $139 (down from the usual $199).
Here's my early attempt at using this effect:
The software just needs a monochrome PNG file to act as a mask and then you can fiddle with all the effects settings until you get what you want. You can even use your own photographs for reflecting into the metallic surface. Great fun.
Regards,
L.O.