Thank you Ndw32548, I ‘hugged’ your reply at the time but your words and advice stayed with me. I have now had to put my hands up and have amended my original post as due to tiredness etc. made some errors in my answers on my online application. I used to work in car insurance many moons ago and I have ever since, had the personal opinion of ‘how can we not pay’ rather than how can we pay. They say there’s no fool like an old fool (that’s me) and I thank you again for your sound advice.
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