well.well..well dacouch..that official complaint certainly upset somebodys apple cart they have now increased there offer to £400..not a lot of money i know but certainly better than £150..i have accepted it ..but thats only half the battle im waiting to see what experto says about who is liable for the bump ..we still have 9 years no claims riding on it so again thank you for your valuable time and info ..keep checking back to see what experto say i will update as soon as