Thanks Alastair, Could be a letter to the BBc Watchdog programme, your insurance company should defend you, as it will affect you, when you renew your insurance, they will see the 3rd party was paid out which could indicate it was your fault, bumping up your premium, but I guess you would already know this working a long time in the insurance game, I personally think the system needs a total overhaul, good luck with the Post Office insurance.