Here's a further update

My claim has now been settled by NUD and in addition, a rather over worked but extremely curtious and helpful lady from the Complaints Department rang me and we have finalised the complaint too.

Overall, it took 13 weeks to get to this point so I would advise anyone contemplating using NU, to think long and hard about that "Quote me happy" quote and consider the hidden costs and inconvenience you may encounter if, in the unfortunate event, you have to make a claim.

And one final note from me to Coyote and S_Whitie, if two people, who appear to be extremely knowledgeable about the claims management side of the industry, can have such different interpretations, what chance the man in the street? A case for the "plain english" cause perhaps?

Thanks anyway, I have enjoyed reading everyone's comments.